1st Stop Car Finance

How much cash do you want to borrow? (£)

For how long?

This example includes an acceptance fee of £595 and an option to purchase fee of £125. SECURITY WILL BE REQUIRED OVER A MOTOR VEHICLE. YOUR VEHICLE MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS.

Welcome to 1st Stop Car Finance

Hire purchase is one of the most popular car finance options, and allows you to spread the cost of a car over monthly instalments. If you’ve ever wanted a new set of wheels, but have been put off by the high price, then a Hire Purchase plan from 1st Stop Car Finance could be exactly what you’re looking for.

1st Stop Car Finance is a traditional Hire Purchase lender and focuses on your individual circumstances when making a decision on acceptance and rates. We are not a car dealership and, once you’ve been approved for finance with us, you are free to purchase a motor vehicle from a dealer of your choice as long as they hold a valid FCA Interim Permission. This means that you’re free to choose from thousands of different cars, rather than being tied down to a single dealer.

We’re here to help you purchase your new car quickly, which is why you can apply for a loan online. You can also call us on 0191 4921919.

Choose 1st Stop Car Finance and apply online today. Your next car could be more affordable than you think.

Please note your loan may be written with 1st Stop Car Finance Ltd or one of our panel of lenders.

Hire purchase for home owners and tenants

Up to £15,000

12 to 60 Months

Any dealership

Representative Example

Loan Amount £6807.86
Term of Loan 48 Months
1st Instalment £364.28
46 Monthly Instalments £265.28
Final Instalment £390.08
Acceptance Fee £595.00
Document Fee £99.00
Option to Purchase Fee £125.00
Rate of Interest (Fixed) P.A 18%
Total Interest Repayable £3,607.08
Total Amount Repayable £12,957.24
Representative APR 42.85%

The above rate is representative of 51% of our customers who take out a loan through our website and the rate you receive may differ depending on your credit score and ability to make repayments comfortably.

Other loans available: View full range of loan products