Future Lease 4 U
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Car finance

Car finance
made simple.

Start with the route that feels right. Our team will explain the options and figures once we understand the vehicle and budget you have in mind.

HP and PCP optionsDeposits to suit different budgetsLender checks and criteria apply
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01

Browse finance examples

See simple weekly examples using live UK dealer adverts.

View examples 02

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Avalon Luxe Cars · direct partner examples

Three cars.
Three deposit options.

Refreshed every 3 daysListings checked 26 August 2026Next scheduled refresh: 29 August 2026
2018 Mercedes A-Class A200 AMG Line Premium advertised by Avalon Luxe Cars LtdOfficial Avalon Luxe Cars advert photo
2018

Mercedes A-Class

A200 AMG Line Premium · 1.5L petrol · hatchback

£15,500
73,250 milesPetrolAutomatic
Illustrative monthly payment£311.53 / month

60 monthly payments using a 7.9% APR assumption

Cash price
£15,500
Customer deposit
£0
Amount financed
£15,500
APR basis
7.9% effective annual assumption
Other charges included
£0 lender fees assumed
Illustrative total amount payable
£18,691.80
Illustrative total charge for credit
£3,191.80

Advertised by Avalon Luxe Cars Ltd · Direct partner · Colchester

Ask us to source it View live dealer advert
2020 BMW 1 Series 118i M Sport advertised by Avalon Luxe Cars LtdOfficial Avalon Luxe Cars advert photo
2020

BMW 1 Series

118i M Sport · 1.5L petrol · hatchback

£16,995
51,022 milesPetrolManual
Illustrative monthly payment£321.48 / month

60 monthly payments using a 7.9% APR assumption

Cash price
£16,995
Customer deposit
£1,000
Amount financed
£15,995
APR basis
7.9% effective annual assumption
Other charges included
£0 lender fees assumed
Illustrative total amount payable
£20,288.80
Illustrative total charge for credit
£3,293.80

Advertised by Avalon Luxe Cars Ltd · Direct partner · Colchester

Ask us to source it View live dealer advert
2022 Audi Q5 Sportback advertised by Avalon Luxe Cars LtdOfficial Avalon Luxe Cars advert photo
2022

Audi Q5 Sportback

2.0L diesel · automatic · SUV

£34,495
38,000 milesDieselAutomatic
Illustrative monthly payment£653.11 / month

60 monthly payments using a 7.9% APR assumption

Cash price
£34,495
Customer deposit
£2,000
Amount financed
£32,495
APR basis
7.9% effective annual assumption
Other charges included
£0 lender fees assumed
Illustrative total amount payable
£41,186.60
Illustrative total charge for credit
£6,691.60

Advertised by Avalon Luxe Cars Ltd · Direct partner · Colchester

Ask us to source it View live dealer advert
Illustrative HP examples only — not a representative lender example, finance offer or quote

Calculations assume Hire Purchase with 60 equal monthly payments using a 7.9% effective annual APR assumption and no lender fees. These are worked illustrations, not current lender rates, representative examples or approvals; the lender's written quotation and signed agreement control. Advert prices, availability and vehicle details can change or end without notice. Future Lease 4 U does not own, hold or reserve these dealer vehicles. Finance is subject to status, affordability, lender approval and terms. Applicants must be 18 or over.

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dealer vehicles.

Search current UK dealer adverts, then choose a vehicle for a finance illustration. Future Lease 4 U will confirm availability, vehicle eligibility and the finance options available to you.

Important

Car finance is separate from no-credit-check leasing. Finance applications are subject to lender credit checks, affordability, status and vehicle criteria. Future Lease 4 U acts as a credit broker, not a lender.

Live UK dealer marketplace

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Search results are requested live and are not copied into an FL4U stock database. Choose a vehicle and we’ll import its verified advert facts into your sourcing request.

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Already have a finance quote?Open the detailed HP and PCP calculatorOpen calculator
HP & PCP finance example checker

See instant illustrative monthly payments.

Select a live vehicle and we'll immediately show a zero-deposit HP and PCP illustration. You can then use the detailed checker below with the exact figures from a lender quotation. Add up to three APRs from real finance quotations to compare them.

Illustration only — not a quote

Enter the exact advertised cash price before calculating finance.

Vehicle cash priceExact price required
Amount after depositWaiting for valid figures
Regular monthly paymentsExact count required
PCP final payment enteredRequired for PCP
Enter the exact advertised cash priceEnter the exact advertised cash price before calculating finance.
Current lender information

Open official sources to view their current examples.

Future Lease 4 U does not publish or compare lender-panel APRs here until current rates are approved through Avalon. These links are educational only, are not FL4U or Avalon offers and must not be used as your quote unless a finance provider has quoted you directly.

Direct lender · HP and PCP published exampleMarsh FinanceView current official exampleDirect lender · HP published exampleAdmiral Car FinanceView current official exampleDirect lender · Conditional Sale published exampleMoneybarnView current official exampleDirect lender · HP published exampleAdvantage FinanceView current official example
Illustration only — not a finance quote or lender comparison service

Future Lease 4 U is a credit broker, not a lender, and uses Avalon Luxe Cars Ltd for finance applications. Avalon is a credit broker, not a lender, uses a limited lender panel, is not independent and may receive commission. The calculator assumes a fixed APR and no separate lender fees; the signed quotation always overrides this illustration. PCP requires the lender's vehicle-specific optional final payment, exact number of regular monthly payments, mileage allowance, excess-mileage charge and condition rules. The optional final payment is modelled as due with the final regular payment. Actual APR, fees and approval depend on the vehicle, lender and your circumstances. Finance is subject to status and affordability. UK residents aged 18 or over only. The vehicle may be at risk if payments are not maintained. Future Lease 4 U Ltd, 128 City Road, London, EC1V 2NX.

Read Avalon Luxe Cars' initial disclosure
Want the detail?

Finance explained
in plain English.

You do not need to choose a product before speaking to us. These are the two common routes we can explain once we know what you need.

HP

Hire Purchase

Pay a deposit followed by fixed monthly repayments. Once all payments and any option-to-purchase fee are complete, you own the vehicle.

  • Clear route to ownership
  • No large optional final payment
  • Term and APR confirmed by the lender
PCP

Personal Contract Purchase

Monthly repayments are usually lower because part of the value is deferred to an optional final payment.

  • Agreed annual mileage
  • Optional final payment if keeping the car
  • Return conditions and charges can apply

Documents

You may be asked for proof of identity, address, income and bank details.

Lender decision

Approval, APR and deposit are set by the lender after its checks.

Vehicle criteria

Age, mileage, condition and source of the vehicle must meet lender rules.

Finance enquiry

Talk through your budget and vehicle.

The team can explain the information required and the finance routes that may be available.

Start finance applicationWhatsApp the team