Spread the cost of your next car with flexible monthly payments, representative APR 8.90%.
Term
Estimated monthly payment
£228/mo
Illustrative example only — not a finance offer or quotation. Finance is subject to status and lender approval. Call 03301 33 33 60 for a personalised quotation.
Fixed monthly payments over an agreed term. Once the final payment is made, the car is yours: simple and predictable.
Lower monthly payments with a larger optional final payment. At the end: keep the car, hand it back, or trade in for your next one.
Put your current car’s value towards the price and pay the rest outright, or combine it with finance for an even lower monthly.
Two minutes, no obligation. Your details go straight to our team.
We work with a panel of lenders to find terms that suit you.
Sign the paperwork and collect your car, often the same week.
Often, yes. Motor Hut works with a panel of lenders, and some specialise in customers with a thin or imperfect credit history. Rates are higher than for a clean file and a deposit helps. Applying is a soft enquiry at first; a hard search only happens when a lender makes a formal offer you choose to take up.
Hire purchase (HP) splits the whole price over the term, so the car is yours after the final payment and the monthly cost is higher. Personal contract purchase (PCP) sets a large optional final payment aside, so the monthly cost is lower, and at the end you pay it, hand the car back, or part exchange. Choose HP if you plan to keep the car, PCP if you change cars every few years.
Tell us about your current car and we give you a figure for it. That figure comes off the price of the car you are buying, and finance is arranged on the balance. If your current car has finance outstanding, the settlement is paid from the part exchange value and any shortfall can usually be added to the new agreement.
Not always. Many agreements can be arranged with no deposit, but a deposit of around 10% lowers the monthly payment and the total interest, and makes approval more likely. A part exchange counts as a deposit.
Most decisions come back the same day, often within the hour during business hours. Call 03301 33 33 60 if you need an answer quickly.
Tell us about you and we’ll get back with finance options.
Finance is subject to status; terms and conditions apply. Applying may involve a credit check (which could include a hard search) by a lender or broker. Representative 8.90% APR.