PCP is harder to get with adverse credit than hire purchase, because it leans on a reliable future value — but it isn't closed off. We'll tell you honestly where you stand, and switch you to HP if that's the realistic route.
No obligation · Takes 2 minutes · All credit considered
Simple Process
Fill in the short form below. Takes under 2 minutes and there's no credit check at this stage.
We pass your details to lenders who consider situations like yours — including some that do not deal with the public directly.
Any offers come to you from the provider direct. You decide whether to take one, and you can walk away — there is no obligation.
You complete the paperwork with the provider direct. Most people are driving within days of approval.
Why choose us
We work with a broad panel of lenders rather than a single provider, so your details reach the ones most likely to consider you.
If PCP is a stretch for your file, hire purchase very often isn't — it's secured against the car and lenders take a more forgiving view of credit history on it.
Most enquiries get a response within 2 hours. No waiting days to find out if you qualify.
Your initial enquiry uses a soft search only. Your credit score won't be affected until you say yes.
No obligation. No hard credit check. Response within 2 hours.
🔒 Your data is protected under ICO registration ZC067741. We never sell your details.
Thanks — one of our advisors will be in touch within 2 hours.
In the meantime, feel free to WhatsApp us if you have any questions.
Common Questions