Car Finance

You are ready to upgrade or buy your first car and now looking at what finance options are best for you. There are a number of options available to you from dealer finance to borrowing from a bank. Dealer finance is often the best way and offers advantages other providers can not.

Advantages of Dealer Finance

Choosing dealer finance provides you with the option to customise the agreement to suit your needs and often approved for a better rate of interest. Unlike other forms of credit, the interest rate is fixed which means you know your exact monthly payments for the duration of the agreement.

Why choose Carsa for your finance?

We offer instant finance examples for every car with our finance calculator.

Search our wide range of cars

go to the details page and then enter a few details into the calculator. You will then be shown finance examples based on your information and price of the car. If PCP and HP options are available, these will be shown.

When entering a financial agreement you want to know it is with someone you can trust. All of our car finance plans are fully compliant with the Consumer Credit Act which means we must adhere to strict regulations and explain the finance agreement in detail to you.

We created our customer finance charter to ensure that you are fully aware of what to expect when taking out a finance agreement. Find out more about our Customer Finance Charter.

We have a team of specialists ready to help you with your application and when arranging finance with Carsa, the process is quick and easy as we will handle all the necessary paperwork for you.

Finance options explained

PCP (Personal Contract Purchase)

PCP will give you lower monthly payments as the car’s future value is calculated and treated as the final payment.

3 Options At The End of The Agreement

  • Pay the final payment and keep the car
  • If your car is not worth the final payment value you have the option to hand it back to the finance company with nothing more to pay (Terms & Conditions do apply with regards to the vehicle’s mileage and condition).
  • The most popular option is to part exchange your car and settle the agreement. Any excess over and the above the final payment can be used as part of your next deposit. You can choose to do this at any time during the agreement.
  • PCP will give you lower monthly payments as the car’s future value is calculated and treated as the final payment.

    HP (Hire Purchase)

    HP has been the most traditional way to fund a car. The agreement can be settled at any time and you will receive a rebate of interest.

    With Hire Purchase you will pay equal payments and own the car at the end of the agreement. No larger final payment to make.

    Our teams are ready to help you find the right plan to fit your needs and budget. Contact us today to talk through all options available.

    Please note that any finance examples and/or monthly repayments are designed to give you an indication of how much you may expect to pay for your loan.

    Due to the many factors involved in car finance companies making their decisions including personal credit status, we can't guarantee being able to obtain a car loan for you at the quoted rates. Our staff will always try to obtain the best finance deal for you based on your personal circumstances.