Motors Hub

Hire Purchase (HP)

HP offers a simple path to car ownership with fixed monthly payments over 3 to 5 years. Once all payments — including any fees — are made, the car is yours.

While an initial deposit is usually required, some deals offer a zero deposit option. HP is perfect if you want to own the car outright and prefer predictable payments.

If you like switching cars often, HP may not be ideal, as you must settle the agreement first — either by paying off the balance or part exchanging the car.

Fixed Monthly Payments

Enjoy predictable costs with no surprises over the agreement term.

Car Ownership Guaranteed

Own the vehicle outright once the final payment is made.

Early Settlement Required

To switch vehicles early, you'll need to clear the remaining balance.

Zero Deposit Deals

Start driving with little or no upfront payment, depending on the offer.

Drive Your Dream Car with Flexible Financing

We believe everyone deserves the car they love — without the stress of upfront costs. Our tailored finance options make it easy and affordable to get behind the wheel. Whether you’re buying your first car or upgrading, we’ll help you find a payment plan that fits your budget.

Flexible Finance Plans

Drive luxury without stretching your budget—pay comfortably over time.

Quality You Can Trust

Choose a plan that fits your lifestyle, not the other way around.

Hassle-Free Buying Experience

Get behind the wheel faster with quick and hassle-free approvals.

No Hidden Fees

What you see is what you pay—no surprises, just transparency.

Personal Contract Purchase (PCP)

PCP is a flexible way to finance a used car, offering lower monthly payments by deferring a portion of the car’s value to the end of the agreement. At the end of your PCP term, you have three options:

Return the car to the lender.

Pay the final balloon payment to own the car.

Part exchange it, using any remaining equity as a deposit for a new car.

PCP is ideal if you want lower monthly costs and the ability to switch cars regularly. However, if ownership is your goal, it may not be the best option since you don’t own the car until the final payment is made. Returning the car may also incur extra charges for excess mileage or damage.

Conditional Sale (CS)

Conditional Sale (CS) car finance lets you buy a car with manageable monthly payments. You pay a deposit upfront, then repay the car’s full value plus interest over an agreed term.

With CS finance, the lender buys the car and you make monthly payments until the contract ends. Unlike Hire Purchase, there’s no final fee—ownership automatically transfers once the loan is fully repaid.

CS agreements are flexible—you can adjust the deposit and contract length to suit your budget. It’s a straightforward, transparent way to buy a car without large upfront costs or surprise charges.

Car Protection

Warranty & Insurance