Starting from :
per month
Representative Example: Hire Purchase agreement, cash price £6,000.00. Customer deposit £0. Total amount of credit £6,000.00. Duration 60 months. Representative APR 12.9%. Fixed interest rate 6.81% per annum. 60 monthly payments of £134.06. Option to purchase fee £1.00. Total amount payable £8,044.60. Total charge for credit £2,044.60. We act as a credit broker, not a lender.
Financing with Multi Car Finance is simple and hassle-free.
Apply Online – Complete our quick and easy application.
Get Accepted – Receive a fast decision from our panel of trusted lenders.
Choose Your Car – Select from a wide range of vehicles to suit your needs.
Drive Away – Finalize the paperwork and hit the road in your new car.
2020 Ford Focus 1.0 petrol with a manual gearbox, finished in blue and covering 57,627 miles. A five-door hatchback with alloy wheels and chrome side trim, offering a practical boot and easy running costs from the 1.0 petrol engine. Available on no-deposit hire purchase finance over 60 months at 12.9% APR representative. All credit considered across our panel of lenders.
Representative Example: Hire Purchase agreement, cash price £6,000.00. Customer deposit £0. Total amount of credit £6,000.00. Duration 60 months. Representative APR 12.9%. Fixed interest rate 6.81% per annum. 60 monthly payments of £134.06. Option to purchase fee £1.00. Total amount payable £8,044.60. Total charge for credit £2,044.60. We act as a credit broker, not a lender.
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Car finance allows you to spread the cost of a vehicle over a set period rather than paying the full amount upfront. At Multi Car Finance, our simple process includes applying online, getting accepted, choosing your car, and driving away. Monthly repayments are made to the lender until the finance agreement is complete.
There are several types of car finance options available:
Hire Purchase (HP): Spread the cost of the car over fixed monthly payments. Once all payments are made, you own the car.
Personal Contract Purchase (PCP): Lower monthly payments with a final balloon payment at the end if you want to keep the car. Otherwise, you can return or trade it in.
Personal Loan: A traditional loan where you borrow a set amount from a bank or lender and own the car outright from the start.
Guarantor Finance: Ideal for those with lower credit scores, this requires someone to co-sign the agreement and take responsibility for payments if needed.
The right finance option depends on your budget, credit history, and how you plan to use the car. If you want to own the car at the end, HP or a personal loan might be best. If you prefer lower monthly payments and flexibility, PCP could be the right choice. Our team at Multi Car Finance can help guide you through the best option based on your needs.
The cheapest way to finance a car depends on your credit score, deposit amount, and preferred repayment term. Generally, the most cost-effective options include:
Hire Purchase (HP) with a large deposit – Reducing the amount you borrow lowers your monthly payments and interest.
Personal Loan – If you have a good credit score, a personal loan may offer lower interest rates and more flexibility.
Shorter Loan Term – While monthly payments may be higher, you’ll pay less interest overall by choosing a shorter repayment period.
Higher Credit Score = Lower Interest – Improving your credit score before applying can help you secure better rates.
At Multi Car Finance, we compare options from multiple lenders to find the most affordable deal for you.
Yes! If you have a vehicle to trade in, you can use it as a part exchange to lower the cost of your new car finance deal. The value of your current car can be used as a deposit, reducing the amount you need to borrow. Our team can provide a valuation and arrange the trade-in as part of your finance application.
