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Car finance

Spread the cost of your car over 36 to 60 months, with flexible deposits and HP (Hire Purchase) or PCP (Personal Contract Purchase) plans

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How it works

You can apply for finance once you’ve chosen your car and selected ‘Buy now’. Here’s how it works.

  1. Get a quote

    Use our calculator to get a finance quote, with HP or PCP plans to suit you. Deposit from as little as £250, use your part-exchange as deposit or top-up with extra cash if you need to.

  2. Apply online

    When you apply, we’ll ask about things like address history and affordability to get you a tailored finance offer.

  3. Get a decision

    Your application is sent off to our panel of lenders. We’ll usually let you know within 24 hours if it has been approved.

  4. Your offer

    To confirm your offer, you’ll need to do a digital ID check and sign. You have 5 days to do this while your car is reserved.

Find a car to suit your budget

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Based on a £1,000 deposit on a 48 month plan with a representative APR 8.9%, £10 option-to-purchase fee and fixed interest rate of 8.9%. Subject to credit checks.

Understanding car finance

Our lending partners

Our trusted partners work hard to find the right finance plan for you.

  • Moto Novo Finance
  • Alphera Financial Services

Ready to get car finance?

When you've chosen your new car, select 'Pay with finance' in checkout.

Need a hand?We're ready to help 8am-8pm, 7 days a week.

Cinch Cars Limited is an appointed representative of ITC Compliance Limited which is authorised and regulated by the Financial Conduct Authority (their registration number is 313486). Permitted activities include acting as a credit broker not a lender.

We can introduce you to a limited number of finance providers. We do not charge fees for our Consumer Credit services. We may receive a payment(s) or other benefits from finance providers should you decide to enter into an agreement with them, typically either a fixed fee or a fixed percentage of the amount you borrow. The payment we receive may vary between finance providers and product types. The payment received does not impact the finance rate offered.

All finance applications are subject to status, terms and conditions apply, UK residents only, 18’s or over, Guarantees may be required.

We accept all major Visa, Mastercard and American Express debit or credit cards.