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Simply shop for your next car on Auto Trader and use the calculator on our adverts to quickly work out your monthly payments.
We act as a credit broker which means we don’t offer finance ourselves, but we make it easy for you to apply directly with the retailer.
If you haven't found the right car yet and want to understand how much you can borrow, use our calculator orget a finance quotewith our finance partner Zuto
296,912
cars available today on finance
See monthly prices upfront
We display monthly prices (based on the representative APR) to help you compare costs whilst you search. Use our filters and tailor browsing to fit your budget.
You can find vehicles on PCP, HP and CS finance depending on the options the retailer offers.
Once you've found the car you want, we recommend comparing your finance options to ensure you choose the right one for you.
Types of finance available
Personal contract purchase (PCP)
With PCP finance, you pay an initial deposit, followed by monthly instalments, but a large portion of the loan is deferred until the end of the agreement. You can pay that final sum to own the car, hand it back or start another agreement.
Hire purchase (HP)
With HP, you pay a deposit up front, and then pay off the rest of the balance – plus the interest - in equal monthly instalments. You’ll pay an ‘option to purchase’ fee, then the car is yours at the end of the agreement.
Personal contract hire (PCH)
PCH is another way to finance a car. It’s technically a method of leasing a car rather than buying it. You pay a deposit and monthly instalments, which may be lower than some other finance agreements, but you never own the car.
Conditional Sale (CS)
With CS, you can spread the cost of a vehicle over the course of one or several years and will have bought the vehicle by the end of the contract. There isn’t usually an ‘option to purchase’ fee, you’ll just automatically own the car once finance has been fully repaid.
Car finance guides
Tips on applying for car finance
Read our top tips on what to do before youapply.
What to do if you have a poor credit score
See what your options are for financing your nextcar.
Which type of finance is right for you?
Take our short quiz to help you choose between HP, PCP and PCH.
Buying a car on 0% finance
Learn how 0% finance deals work and where you can findthem.
Your questions answered
Use our finance calculator to get an estimate of how much you can borrow. Exactly how much you borrow depends on your personal circ*mstances and credit rating. Our finance partners, Zuto, can give you a free, no-obligation quote to help you weigh up your options. APR stands for Annual Percentage Rate. It’s the amount of interest you’ll pay yearly on the money you’ve borrowed, including the various fees that apply, so that you can accurately determine and compare the overall annual cost of your agreement.
APR will be shown on personal contract purchase (PCP), hire purchase (HP) and conditional sale (CS) quotes. It does not apply to personal contract hire (PCH) car leases.
This is a pre-agreed mileage limit imposed for the duration of the finance agreement, designed to protect the car’s value. The size of your deposit, monthly payments and (if applicable) final payment will then be calculated based on this. On some adverts on Auto Trader, the finance information is provided by the dealer selling the car or lease provider. Where a dealer doesn’t advertise finance on Auto Trader, we use information and a finance example from our partner, Zuto. We do this so that no matter who is selling the car, you have the option to look at a monthly finance option. The prices we show are not guaranteed but are indicative of what is available to the majority of customers who apply. Whether you’re approved, and on what terms, is subject to your status.
Finance is available to UK residents over 18, and terms and conditions apply. If you have any questions about the finance advertised, it’s best to check with the dealer or with Zuto before you apply. Similarly, check with car leasing providers as to whether you are eligible.
Dealers pay us a monthly fee to advertise their own finance offers. For adverts where we’ve included our partner Zuto’s finance information, they pay us a commission each time a customer uses a loan approved by them to purchase a vehicle.
With our leasing offering, we get paid a commission each time a customer takes a lease agreement from one of our leasing providers.
Helping you compare finance options in one place
Whether you’re choosing between HP or PCP, or considering PCH leasing, you can compare different finance options on Auto Trader to find what’s right for you.
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