Apply for PCP or HP Car Finance - Decision in Minutes.
Choose your finance type. Check eligibility. No impact on your credit score.
From application to collection in as little as 48 hours.
We work with leading UK lenders to find finance that fits your budget.
Car finance made simple.
From click to collection in as little as 48 hours.
Apply Online
PCP for flexibility. HP for ownership. We explain both.
Get Approved
Matched to the right lender for your chosen finance type.
Drive Away
3,600+ cars across 32 brands at 128 showrooms.
PCP or HP? We Offer Both. On 32 Brands.
Whether you want the flexibility of PCP or the ownership certainty of HP, Stoneacre can help. Our panel of 15+ lenders means we find the right deal for your preferred finance type.
- PCP - Lower Monthly Payments. Pay less each month with the option to hand back, buy, or upgrade at the end.
- HP - Own Your Car Outright. Fixed monthly payments with full ownership once the final payment is made.
- Expert Guidance. Your finance coordinator explains the differences and helps you choose the right option.
- 32 Brands. One Application. Apply once and choose from 3,600+ cars - no separate applications per dealer.
Got questions? We’ve got answers.
Would you like to speak with our customer service team first?
We’ll happily answer your questions, explain your options, and help you find what works best for you.
Representative Example
This represents an average of the deals that our customers receive on other vehicles
We are a credit broker and a lender. We can introduce you to a limited number of lenders and their finance products. We will provide details of products available, but no advice or recommendation will be made. You must decide whether the finance product is right for you. We do not charge you a fee for our services. Lenders will pay commission to us (either a fixed fee or a fixed percentage of the amount you borrow) for introducing you to them, this may be calculated in reference to a variable factor such as (but not limited to) the vehicle age, your credit score and the amount you are borrowing. Different lenders may pay different commissions for such introductions. Offers available to everyone over the age of 18, subject to credit approval.