Life Moments

Car buying guide

Let's get you on your way

Choosing the right car is a big deal and we’re here to help you start your journey.

Buying a new car

  • Set a budget and stick to it
  • Review different models and brands
  • Ask your friends and family for advice
  • Check online for reviews
  • Do a price comparison with other dealers
  • Prepare a list of questions for the dealer

Buying a used car

  • Set a budget and stick to it
  • Do your research on the car market and prices
  • Inspect the car carefully and take a test drive
  • Bring a friend who knows a bit about cars
  • Try and negotiate a good deal
  • Use a traceable method when paying for your car

Car financing options

Take a look at your different options and decide what suits your financial needs best before buying your car.

Car financing options

Personal loan

What is a personal loan?

Personal loan is where you apply to borrow a set amount of money from your bank or building society.

Hire purchase

What is hire purchase?

HP where you make monthly payments to a car finance provider.

Personal contract purchase

What is personal contract purchase?

PCP is where you make monthly payments to a car finance provider.

Cash or savings

Cash or savings

You can use cash or savings to buy a new or used car.

Am I able to borrow?

Use our loan calculator

If you're thinking about taking out a loan to buy your next car, use our calculator to see how likely you are to be approved, without affecting your credit rating.

Get a quick quote

It's good to check what your loan options are. You’ll receive a rate tailored to you, with no impact to your credit score.

Apply for a personalised loan

Need a little help to get you in the driving seat?

Apply online or via our app. Get a decision in minutes, along with a personalised rate, depending on your circumstances and how much you want to borrow.

You could borrow between £7,500 and £19,950 at our rate of Representative 3.9% APR.

Frequently asked questions

Is there something else you're looking for?