HP Car Deals
Hire Purchase for a car

What is a Hire Purchase agreement?


Hire Purchase is a type of car finance. HP finance is the best option if you’re 100% committed to owning your car. Buying a car on Hire Purchase means you can spread the cost into manageable monthly payments. 


When considering a Hire Purchase agreement through Stoneacre, your deposit (or part exchange), if a healthy one, will bring the monthly payment amount down, while the opposite is also true.


The length of the term, will also bring payment costs down if you choose a long agreement (albeit with more interest payable), while a short contract makes payments more expensive.


When you reach the end of your Hire Purchase car agreement, you are guaranteed full ownership of the vehicle. Why not browse our Hire Purchase cars and HP car finance deals today? You can even try our online Hire Purchase calculator to help work out your monthly payments.


Representative Example

This represents an average of the deals that our customers receive on other vehicles

Cash Price £19,121.93
Deposit £1,266.23
Term 48 months
Payment £323.72
Amount of credit £17,855.70
Fixed Interest per annum 6.46%
Representative APR 11.36%
Total Charge for credit £6,194.43
Final Payment £8,511.57
Option to purchase fee £399.00
Total Amount Payable (Incl. Deposit, charge for credit, final payment & purchase fee) £25,715.36

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.

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