Rates from 8.9% APR
Representative Example: Borrowing £7,500 over 48 months with a representative APR of 19.9% fixed, the amount payable would be £221 a month, with a total cost of credit of £3,129 and a total amount payable of £10,629.
Auto Union Finance is a broker and not a lender.
No Deposit
We can help you find the perfect car
PCP and HP from 8.9% APR
Free HPI check and dealer check
Not sure on the best product?
Products ExplainedHow it works
Apply | Accept| Drive
Step 1
Apply: Apply online or through our dealer network. With 20+ lenders, we can match you to a car‑finance option for almost any credit profile.
Step 2
Accept: From the moment you apply, you’ll have your own dedicated Account Manager. They’ll give you a no‑obligation quote and explain everything you need to know about your finance agreement.
Step 3
Choose a car: You can buy from any reputable dealer. If you need help finding the right car, we can point you in the right direction. Our approved partners are checked regularly so you know you’re in safe hands.
If you find a car somewhere else, that’s absolutely fine too.
Step 4
After you pick your car, we’ll make sure the dealer is approved and we’ll do a free history check on the vehicle. If all is correct, you sign the paperwork—and you’re good to go.
Quotes displayed are for example purposes only.
Finance quotes will based on your personal circumstance.
We look to find the best rate from our panel of lenders and will offer you the best deal that you’re eligible for. We don’t charge a fee for our service, but we do earn a commission. This does not influence the interest rate you’re offered in any way.
Looking to buy a car on finance? Learn more about the finance products available.
Personal Contract Purchase (PCP)
No need to worry about depreciation.
Lower monthly instalments for a better car.
You are only paying for part of the total amount due and have the choice to return the car at the end of your repayment period.
You still pay monthly instalments to the finance company as with other forms of credit, but at the end of the repayment period, you can pay a lump sum, (commonly known as a balloon payment) which will be higher than the monthly repayments you have been making.
PCP enables you to pay less each month for a car of the same value than you would with a traditional HP plan.
PCP is good if:
You like to change your car frequently.
Are not bothered about owning a car outright.
Hire Purchase (HP)
Fixed monthly repayments over an agreed period as the title suggests, you hire the car from the finance company, taking responsibility for it and make monthly payments until you have paid the total amount owed.
You are the registered keeper of the vehicle throughout the payment plan and then at the end of the repayment period, you have the option to take ownership of the car.
As you will have paid off the cost of the car by this point, all you pay is a small admin fee. This could be anything from £1 – £299+.
HP is good if:
You want fixed monthly repayments.
You might like to own the vehicle long term.
Lease Purchase (LP)
Lease Purchase is a form of Hire Purchase or Conditional Sale agreement – requiring you to take ownership of the vehicle after all payments have been made – but the regular payments are structured like a lease/rental agreement.
You may be asked to pay a number of monthly payments at the start of your agreement (referred to as ‘advance payments’ and the leasing equivalent of a deposit) and a sum is usually deferred in the form of a balloon payment at the end of the term. The balloon payment will be determined by the age and mileage of the car at the end of the agreement. The difference between a Lease Purchase and a PCP agreement is that the balloon (referred to as a Guaranteed Minimum Future Value (GMFV) in a PCP deal) must be paid on a Lease Purchase agreement. With PCP, it is optional.
LP is good if:
You might like to own the vehicle long term.
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