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Hire Purchase (HP) remains one of the most popular and well established ways of purchasing a car. Just decide how much you want to borrow and then repay, with fixed monthly payments over a period of up to 60 months. After you have made your final payment the car is yours.
At the beginning of the agreement both the amount you pay every month and the repayment period are fixed and will not change.
Fixed interest rate
Even if the interest goes up, the interest rate on your finance repayments will not be affected. This brings a welcome certainty to your financial planning.
Flexible payment terms
Choose the length of the repayment period to suit your budget. You can choose from 12 to 60 months, it's entirely up to you.
You can decide to either part exchange your current vehicle and use that amount as your deposit or perhaps use some of your savings as a deposit, or even put down no deposit and finance the whole amount.