Unlock the freedom of owning a car with our streamlined car finance solutions. We're here to guide you through the process, ensuring you find the perfect vehicle that fits your budget and lifestyle.
At HOST Car Finance, we’re more than just a broker — we’re your partner in getting the best deal. Our wide network of trusted lenders means we can find the right finance package for you, whether your credit is spotless or needs a little work. We put clarity, speed, and fairness at the heart of everything we do.
With over two decades in the business, we’ve seen every finance situation imaginable — and solved it. Our experience means we can anticipate challenges before they arise, saving you time, money, and stress. It’s why thousands of drivers across the UK trust us to help them get on the road.
Looking to purchase a new car but unsure how to finance it? You’re not alone. Car finance is one of the most popular ways for UK drivers to get behind the wheel of their ideal vehicle. With multiple options available, understanding which finance product suits your needs is key to making an informed decision.
At Host Car Finance, we’re here to simplify the process. Below is a breakdown of the most common car finance options in the UK, helping you choose the right solution for your budget and lifestyle.
Hire Purchase is a straightforward finance option designed for customers who want to own their vehicle outright. You pay an initial deposit followed by fixed monthly payments over an agreed term (typically 1–5 years). Ownership transfers to you once the final payment is made.
Key Features:
Is HP Right for You?
Hire Purchase is ideal if you’re committed to owning your car and prefer to spread the cost over time. At Host Car Finance, we work with a trusted panel of lenders to tailor HP agreements to your budget, deposit, and preferred term.
If you’re looking for lower monthly payments or more flexibility, you may wish to consider PCP finance instead.
PCP is a flexible and popular finance option where monthly payments are based on the car’s depreciation rather than its full value. At the end of the agreement, you can choose to return the car, pay a final balloon payment to own it, or part-exchange it for a new vehicle.
Key Features:
Important Considerations:
PCH is a long-term rental agreement where you pay to use a new car for a fixed period. Ownership is not included, making this ideal for those who prefer to drive the latest models without the responsibility of resale or depreciation.
Key Features:
Is PCH Right for You?
If you value simplicity and want to avoid depreciation, PCH offers a cost-effective way to drive a new car every few years. Agreements are flexible, and our team can help tailor your initial rental and term to suit your needs.
Call us on 01634 757013 or fill in our online form to explore our latest PCH deals.
A personal loan allows you to borrow a lump sum from a bank or lender to purchase a car outright. You repay the loan in fixed monthly instalments, and the car is yours from day one.
Key Features:
• 📉 Depreciation Risk: You bear the full impact of the car’s value loss.
Worried about your credit score? At Host Car Finance, we believe everyone deserves a fair chance. We assess your overall affordability, not just your credit rating.
Check your eligibility today and take the first step toward driving your next car.
| Your Goal | Recommended Option |
|---|---|
|
Own the car outright |
Hire Purchase or Personal Loan |
|
Lower monthly payments & flexibility |
PCP |
|
Drive a new car without ownership |
PCH / Leasing |
Before committing, always compare interest rates, review the total cost, and ensure monthly payments align with your budget.
We'll work with you to find a monthly payment plan that fits your budget.
Choose a loan duration that aligns with your financial goals and vehicle needs.
Our streamlined approach ensures a smooth and stress-free car buying experience.
Our team is dedicated to providing exceptional customer support every step of the way.
HOST Car Finance is the trading style of HOST Finance Ltd registered in England and Wales under registered number 10293875 with registered address at Innovation Centre Medway, Maidstone Road, Chatham, Kent ME5 9FD..
Host Finance Ltd is regulated by the Financial Conduct Authority. Our FRN number is 756033. HOST Finance Ltd is registered with the ICO (Registration Number: ZB804292). We are a credit broker not a lender. Finance subject to status. Terms and Conditions apply. A guarantee may be required. Finance is subject to status and is only available to UK residents aged 18 and over. Written quotations are available on request.Finance is subject to status and is only available to UK residents aged 18 and over. Written quotations are available on request. Terms and Conditions apply. A guarantee may be required.
Host Finance LTD operates as a credit broker, not a lender. We facilitate introductions to a select number of lenders and their financial products. Please note that we do not act as independent financial advisors; while we provide information on available products, we do not offer advice or recommendations. It is the customer’s responsibility to determine the suitability of any finance product.