Used car finance options that put you in the driving seat

Our personalised plans are tailored for you

We’ve made financing your car easy. We offer a choice of used car financing options that can be tailored to your specific requirements, with rates as low as 7.9%. And we can get you a decision within minutes, whether you’re applying online, over the phone, or in store. So if you’ve found the car that’s just right for you, you can quickly go on to reserve or buy it.

Black Horse

Spread the cost

Personalise your plan over a time that suits you, with monthly payments that fit your budget


Competitive rates

APR from as little as 7.9% depending on the balance to finance

Get approved quickly

Get a competitive quote quickly and easily – online, over the phone or in store

Which car finance option is right for me?

Choose from one of our car finance options, both of which can be tailored to suit your needs and your circumstances.

Hire Purchase

Finance your car by spreading the cost with fixed regular monthly repayments, after which you own the car outright.

This type of finance is ideal if…

  • You want to have the full amount borrowed paid off by the end of the agreement
  • You know you want to own the car outright at the end of the agreement
  • You don’t want to commit to monthly mileage limits

Personal Contract Purchase

Keep your monthly repayments lower by deferring a large proportion of credit into an optional final repayment (guaranteed minimum future value).

This is right for you if...

  • You want to keep your monthly payments as low as possible
  • You’re already planning to exchange the car for a new one at the end of the period
  • You’re confident about being able to commit to an agreed monthly mileage limit
Amount Borrowed APR
£0 to £24,999 8.9%
£25,000 + 7.9%

Read our full terms and conditions

*Motorpoint Ltd is authorised and regulated by the Financial Conduct Authority (registration number is 684004) and is permitted to advise on and arrange Consumer Finance contracts. Motorpoint Ltd will introduce you to a limited number of finance providers that we have carefully selected. This group of lenders provides us with a range of products which may be suitable for your purchase (subject to status) we will explain the key features of those products to you. We do not charge fees for our Consumer Credit services. We will  be paid a commission for introducing you to our selective group of lenders,  this will be a percentage of the amount that you borrow. If you ask us what the amount of commission is , we will tell you in good time before the Finance agreement is executed.

Your car finance questions answered

We have a finance calculator on every car advert page. This will allow you to explore your repayment options for that car based on differing deposit amounts and repayment periods.

You can apply for finance either in-store or over the phone. Our teams will help you create a plan that meets your needs, answer any questions about any options you may have, and then complete the application for you.

When you apply, we will require employment details, three years' address history, bank account details and a copy of your driving licence.

The decision is normally instant once the proposal has been received by one of Motorpoint’s finance partners.

You can settle your account at any time on both Hire Purchase (HP) and Personal Contract Purchase (PCP) agreements.

Call 01332 227227 to speak to one of our advisors about our personalised plans, tailored for you.


Motorpoint Asset Protection

Motorpoint Asset Protection guarantees you’ll recoup the original purchase cost should your car be written off or stolen – so you can clear outstanding finance without losing out.

  • Claim up to the original cost of the car
  • Cancel at any time
  • Transfer the cover to a new car