Types of Car Finance

PCP Finance - Perfect for flexibility


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HP Finance - Perfect for full ownership


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PCH Finance - Perfect for changing cars often


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Representative Example

Cash Price£16,551.73
Deposit£1,578.78
Term49 months
Payment£367.83
Amount of credit£14,972.95
Fixed Interest4.99%
Representative APR10.62%
Total Charge for credit£3,449.86
Option fee (included in total charge for credit)£399.00
Total Amount Payable (Incl. Deposit)£20,001.59

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 may 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.

Car Finance Options


The world of car finance is a vast one at times, and can make people feel a bit lost in a whirlwind of information.


We’re here to try and break down the influx of different car finance types and the options available to you when purchasing a car, such as PCP or HP, and whether you might want an interest-free deal or one without a deposit.


Not only are there multiple car finance types from the off, but there are also different finance options which are dependent on their personal situations, whether they are a student, have just come out of bankruptcy or are on benefits.


So it’s fair to say that there are plenty of car finance options about, and it’s all about finding the right one for you and your lifestyle.

0% Car Finance

We are able to offer 0% car finance on the majority of our cars at Stoneacre.

With no interest to pay, it has become a very popular type of car finance, and an option that many look to go for when purchasing a car.

You'll find availability for 0% on a whole manner of new and used cars when looking at your finance options.


No Deposit Car Finance

In some instances, motorists require a deal where no money is given up front.

We can put a deal together on many of our cars where no deposit is paid by the customer on a new or used car.

This will usually result in higher payments, but on new cars, a manufacturer contribution may be available.


Pay As You Go Car Finance

It can be quite useful for some to be able to pay for their car finance on the go.

As such, we are happy to offer a finance type for those who may have struggled to get a more conventional car finance option.

There are quite a few aspects to this type of finance, so is important that you are aware of the ins and outs before committing.


Car Finance on Benefits


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Car Finance and Bankruptcy


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Car Finance for Students


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