HP Car Finance

Flexible to you. Simply choose your deposit and term and leave the rest to us. Car shopping made easy - this is FOW!


Unlock new levels of freedom with a great HP deal from FOW.

With the power of HP car finance, you can spread your payments over 2, 3, 4 or 5 years. Affordable, easy and hassle free - this is car finance from FOW.

So then, what’s HP car finance? Hire Purchase (HP) allows you to lock in a finance rate for your desired term. Once you’ve found your car, choose your deposit and we’ll calculate your repayments. Unlike a PCP you’ll own the car once the final payment is made.

Unlike a PCP car finance deal, there’s no mileage limit to worry about - and because there’s no Guaranteed Future Value it means the original purchase price is simply spread over your desired term.

In case you didn’t know, you can choose to reduce your monthly payment and opt for a 5 year term on most models (unlike a PCP car finance deal).

Remember at FOW you’ll get some fantastic benefits. Buy online or instore - we can even deliver to your door, part exchange or reserve any car FREE for up to 48 hours - no one else offers this. And we’ll share a personalised video of your new car on request.

Speak to our team in Winsford, Cheshire or Trafford, Manchester - we think you’ll love the FOW experience.


Hassle free HP car finance designed for you - this is FOW

With so many possibilities, you can join the thousands who got a great deal on their new car with FOW.

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Get a great finance deal - deposits from £99

A £99 deposit is all it takes to secure your new car. Use our easy 'deal builder' software to calculate your repayments quickly - available on every car, or use our finance calculator below if you're open to choice. With thousands to choose from you're at the right place.

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Flexible HP car finance options - available now at FOW.

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What’s HP car finance?

HP car finance simply allows you to spread your repayments over a set term to match your budget and lifestyle. Having such flexibility means your dream car is more affordable than ever.

Naturally with HP car finance there’s no mileage limits to worry about. Instead you can drive as little or often as you like and at the end of the agreement you’ll own the car - how’s that for peace of mind.

And with HP car finance you can choose a 2 year (24 months), 3 year (36 months), 4 year (48 months) or 5 year (60 months) term. Unlike a PCP car finance deal, you have the flexibility to reduce your repayments and opt for a 5 year option - this is fantastic if you like the familiarity of a car and plan to own it long-term.

Remember, at FOW you can perform a FREE credit check online - no obligation and no hassle, and because it’s a soft search it doesn’t affect your credit rating.

Don’t forget you can reserve any car online for FREE for up to 48 hours - you won’t find this elsewhere, part exchange or sell your old car…and buy online or instore. Remember you can request a video personalised to you - easy and hassle free, just how car shopping should be.

Read all about why you should choose FOW for your new car.


HP car finance deals at FOW

Enjoy that new car feeling with FOW - you already know the benefits of HP car finance, but why should you choose FOW?

We’ve perfected car shopping for over 60 years, and with thousands of happy customers we think you’ll love the hassle free experience - this is car shopping on your terms.

Naturally, with FOW Car Supermarket you can buy online or instore, part exchange or sell your old car and even request a personalised video - personal to you! Remember you can speak to our team in Winsford, Cheshire and Trafford, Manchester - we’re here to help.

Of course, buying online is really easy - perform a FREE, no obligation credit check in minutes, and because it’s a soft search it won’t affect your credit score - if you’re happy deposits start from just £99. And if you want to view the car instore you can even reserve it for FREE for up to 48 hours before you visit.

So then, what are you waiting for? Buy online or instore, and if you have a part exchange get an instant price online - it’s really easy to do and if you have any outstanding finance, we can settle that too.

Find your new car online and get a great deal today!


Easy, affordable and hassle free - HP car finance from FOW

It really is that easy, and with FOW you only need a £99 deposit to get the wheels in motion.

If you like the familiarity of a car, you’ll love HP car finance. With fixed monthly payments over a term of your choice you can lock in a great deal and own the car outright once you make your final payment.

Because you have more flexible term options with HP car finance, you can choose to spread repayments over 5 years (60 months) - remember you can reserve online for FREE for up to 48 hours before you visit.

And, you can check out your affordability with our easy and FREE finance credit check. Don’t worry, because it’s a soft search it doesn’t affect your credit rating and there’s no obligation to buy.

Let's talk finance - what do I need to know?

HP car finance made easy - this is FOW.


Should I buy a used car on finance?

Can I pay used car finance early?

I have bad credit; can I still apply for finance?

Can I part exchange my old car?

Will my finance application affect my credit rating?

Can I transfer my existing finance to another car?

How do I apply for finance?

What do I need to apply for finance?

So... you know all about HP car finance - why not check out our other options.

Remember - at FOW our flexible finance options are just that - flexible. With deposits starting from just £99 you can find the car of your dreams right here.

Award winning Car Supermarket - this is FOW.

That’s why thousands choose FOW for their new car - we’ve perfected car shopping for over 60 years.

By the way, we have thousands of models to choose from, each one prepared to the highest standard alongside a tailored approach to customer care.

Of course, at FOW we’re here with you for the journey and have been recognised as one of the most enjoyable destinations for used car shopping. So much so we’ve won awards for our service, customer care and attention to detail to ensure you have the best possible experience.

Retailer of the Year - 2022

Customer Care Award 2022

Digital Initiative of the Year - 2022

Online Consumer Experience of the Year - 2022

Customer Care Award - 100+ Vehicles - 2022

Car Supermarket of the Year - 2022

Social Media Campaign of the Year - 2022

Auto Trader Highly Rated - 2020, 2021 and 2022