Understand the numbers. Compare your options. Find a car you love, with personal support from first enquiry to handover.
Credit broker, not a lender. 18+ only. Finance is subject to status, affordability and lender approval. Rates, deposits and fees depend on your circumstances.
Explore HP and PCP payments with no credit search. Compare the full cost to own, including the PCP final payment, and leave room for insurance, fuel and maintenance.
60 monthly payments · 7.9% assumed APR
Illustration only. Not a quote or approval. No broker or lender fees are included. Figures use unrounded repayments; the lender’s schedule may differ. PCP needs a lender-confirmed optional final payment.
48 monthly payments · 7.9% assumed APR
8,000 miles per year · 32,000 miles over the agreement
Illustration only. Not a quote or approval.No fees are included. Figures use unrounded repayments; a lender’s schedule may differ. Actual PCP terms need a vehicle-specific final payment, mileage allowance, excess-mileage rate and return conditions confirmed by the lender.
At the end, pay the optional final payment to keep the car, return it subject to mileage and condition terms, or discuss changing it. Return charges can apply; equity is not guaranteed. Applying for finance involves credit and affordability checks. Subject to status and lender approval. 18+.
Want to compare running costs as well? Explore the all-in cost calculator.
Checking the latest dealer selection…
Browse the MarketplaceYou do not need to choose before speaking to us. Start with how long you want to keep the car and what you want to happen at the end.
Spread the amount you borrow across monthly repayments. The car becomes yours once all required payments and any purchase fee are paid.
Defer part of the cost to an optional final payment. Monthly repayments may be lower than equivalent HP, but compare the full cost to own.
The lower monthly payment is not always the lower overall cost. Compare the APR, deposit, fees, total payable and any final payment in your written quotation.
Start the secure application with your details and budget. Choose a car now, or find one with us later.
The team reviews your information with our finance partner. Lender credit, affordability and vehicle checks apply.
Review the APR, deposit, monthly payments, fees and total cost, plus the final payment and mileage for PCP.
Once the agreement and requirements are complete, we help coordinate the next steps for your chosen vehicle.
Applicants must be 18 or over. Each lender sets its own criteria, and the team will explain what is needed for your application.
Start finance applicationSearch live UK dealer cars and vans by make, model and budget.
Browse MarketplaceFound one already?Share a dealer link or your wish list and let the team check suitability.
Ask us to source itNeed a steer?Explore which of our vehicle services fits what you need.
Find My Best RouteTalk to the team before deciding. You can also see customer feedback and handover photos, or check your application in My Account.
No. You can start your application first, browse our Marketplace or ask the team to source a vehicle. Any vehicle you choose will need to meet the lender’s criteria.
A zero-deposit option may be available, subject to the lender’s decision and your circumstances. A deposit reduces the amount you borrow. Compare the total cost as well as the monthly payment.
Tell us about your circumstances so the team can explain the available routes. HP and PCP involve lender credit and affordability checks; acceptance is never guaranteed. Our separate leasing service has different terms.
An application may involve credit searches. Ask the team which searches will be carried out and at what stage before proceeding. Using the illustration calculator on this page does not run a credit search.
Any applicable broker or account-opening fee, deposit and lender charges will be explained in your written offer before you decide to proceed. The separate lease processing fee does not describe your finance costs. The illustrations on this page exclude fees.
You can pay the optional final payment to keep the car, return it subject to the agreement’s mileage and condition terms, or discuss changing it. Any new finance agreement requires a new lender decision. Positive equity is not guaranteed.
Ask your lender for a settlement figure and check any applicable charges. The outstanding balance shown in an account may differ from the amount needed to settle the agreement.
Prefer to learn at your own pace? Explore the Car Knowledge Hub.
Bring your budget and your questions. We’ll help you understand the finance routes that may be available.
Three different dealer vehicles, with £0, £500 and £1,000 deposit illustrations. Each payment depends on that vehicle’s price. These are HP worked examples, not personal quotes.
Model 3 Performance Awd · Saloon
60 monthly payments using a 7.9% APR assumption
Advertised by Junction 17 Cars · Peterborough, Cambridgeshire
718 Boxster Semi-Auto · Convertible
60 monthly payments using a 7.9% APR assumption
Advertised by Junction 17 Cars · Peterborough, Cambridgeshire
M2 Competition Edition Auto · Coupe
60 monthly payments using a 7.9% APR assumption
Advertised by Junction 17 Cars · Peterborough, Cambridgeshire
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.