Understanding Your Finance Choices: Which Option Suits You?

Flexible Car Finance

At Perrys, we believe getting behind the wheel of your ideal car should be straightforward. We offer a range of flexible finance options to suit different needs and budgets. Let's explore how we can help you drive your dream.

Explore Finance Offers By Brand

Select a brand from the logos below to start exploring the finance options and see what suits your lifestyle and budget.

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Hire Purchase (HP) Explained

Advantages of Using Hire Purchase

Hire Purchase offers a structured way to finance assets, allowing for predictable budgeting through fixed payments. It avoids a large upfront cost and leads to full ownership at the end of the agreed term.

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Personal Contract Purchase (PCP) Explained

How Personal Contract Purchase Works

PCP is a finance plan where you essentially lease a vehicle or other asset for a set period, with an option to purchase it at the end by paying a pre-agreed sum.

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Personal Contract Hire (PCH) Explained

How Personal Contract Hire Works

PCH allows you to drive a new vehicle (or use another asset) for a set period with fixed monthly payments. Maintenance packages are often included, providing predictable motoring costs.

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Negative Equity

Understanding Negative Equity with Car Finance

In car finance, negative equity means you owe more on your car loan than the car is currently worth on the market. This is a common concern due to vehicle depreciation.

two hands shaking and car keys being handed over

Car Finance with poor credit

Searching for car finance with poor credit in the UK can be challenging, but at Perrys, we aim to make the process clearer. We offer a variety of poor credit car finance solutions, working closely with reputable lenders to find options that suit a range of individual circumstances. Discover your potential by exploring our straightforward car finance eligibility check, which provides an initial assessment without affecting your credit score. When you're ready, our simple car finance application process is designed to get you closer to driving your next car.

Thinking About Car Finance?

Get Answers to Your Common Questions

Car Finance FAQs

Navigating car finance can bring up a few queries. Our dedicated Car Finance FAQs page covers everything from understanding different finance options like PCP and HP to eligibility criteria and the application process. Find the answers you're looking for quickly and easily.

Car Finance FAQs