Finance Your Car

Financing your used car purchase at Driving Cleaner Cars is simple. With competitive rates available.

At DCC we are experts in offering affordable competitive car finance to customers across the UK to drive away in their ideal car. Our wide range of finance options is designed to take away the hassle of affording the car you would like. We offer both Personal Contract Purchase (PCP) and Hire Purchase (HP). We can arrange all finance, making sure that buying a car with us is as smooth and simple a process as possible. We have access to a wide range of finance providers and products so that you can be sure of getting a finance deal to suit you, with competitive rates from as low as 6.9%.

If you have had trouble getting a used car elsewhere then give us a call to see if we can help, we have flexible finance deals to suit all budgets. The vehicle finance options offered by DCC help you to own your ideal used car sooner and at a smaller cost than you may expect.

We strive to obtain the best deals for our customers and make sure you get a tailor-made finance package. Apply online today or give us a call for a friendly chat about your options.

You can find out more about the benefits of financing your next vehicle here on the website, and learn about the different options plus additional services such as GAP Insurance and GardX, which protects you and your investment, on our Protect Your Car page. We have also answered the most frequently asked questions on our FAQs page so that you are well informed before meeting a member of our finance team.

The finance plans available also include Hire Purchase, Personal Contract Purchase, Lease Purchase and Contract Hire. We can also tailor finance packages to suit your needs, with features such as nil advance payment and Guaranteed Future Values. Our finance options are suited to individuals and businesses.

 

What is Hire Purchase?

With hire purchase, you pay a deposit and then the remaining amount borrowed is spread across monthly repayments. Choose hire purchase if you plan to repay the full cost of the vehicle but also want an option to hand it back after your final repayment. 

The amount you borrow is secured against the vehicle. Repayments are fixed throughout the agreement and spread equally throughout the term.

 

What is Personal Contract Purchase?

Like hire purchase, with personal contract purchase (PCP), you pay a deposit and then the remaining amount borrowed is split into monthly installments. PCP is great if you want to change or upgrade your car at the end of the agreement.

With PCP, the finance lender will guarantee the minimum the vehicle will be worth at the end of your agreement based on the agreed annual mileage and maintenance of the vehicle (any excess mileage and/or damage may incur additional charges). This value is known as the ‘Guaranteed Minimum Future Value’ and by deferring this amount to the end of the term, you could benefit from lower fixed monthly payments compared to other products such as HP.

The finance is secured against the vehicle. Repayments are fixed throughout the agreement and spread equally throughout the term.

At the end of the agreement, you’ll have three options:

  • Part-exchange it – use any value left in your vehicle to part-exchange it for a new one
  • Buy it – pay off the final payment (Guaranteed Minimum Future Value plus the Option to Purchase Fee (OTP)) in one lump sum and become the legal owner
  • Hand it back – simply hand back the vehicle and the keys, pay any charges incurred, and walk away.

 

How does car finance work?

  • What is PCP?
  • What is dealer finance?
  • What is HP?

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Reviews

5.0
  • I have just bought a new car through Josh and the team at DCC - I found them responsive from the get-go and very straightforward to deal with. Josh was extremely easy to deal with and highly communicative throughout. They gave me a sensible figure for my own car on part-ex and I wouldn't hesitate to... Read More

    I have just bought a new car through Josh and the team at DCC - I found them responsive from the get-go and very straightforward to deal with. Josh was extremely easy to deal with and highly communicative throughout. They gave me a sensible figure for my own car on part-ex and I wouldn't hesitate to recommend them, or use them again

    Responsive From The Get-Go
  • Very friendly, no pressure whatsoever, genuinely seemed interested in finding me a suitable car. Would definitely recommend as I haven’t been to a car dealership before where they are so nice!

    Very friendly, no pressure whatsoever, genuinely seemed interested in finding me a suitable car. Would definitely recommend as I haven’t been to a car dealership before where they are so nice!

    Very Friendly, No Pressure!
  • Rich at DCC Fareham is the best car sales person I've dealt with - first class customer service hassle free and relaxed - making it a pleasure to buy from DCC. Always a great choice of quality cars to choose from so no need to look anyway else. Buy your next car from Rich at DCC!

    Rich at DCC Fareham is the best car sales person I've dealt with - first class customer service hassle free and relaxed - making it a pleasure to buy from DCC. Always a great choice of quality cars to choose from so no need to look anyway else. Buy your next car from Rich at DCC!

    First Class Customer Service
  • Wonderful dealership, transaction was smooth and stress free from start to finish with the help of Estelle and Danny. We are delighted with the car, it was exactly as described and has super low mileage. Delivered for free in time for my daughters 21st birthday. Danny taxed it for us with no fuss. T... Read More

    Wonderful dealership, transaction was smooth and stress free from start to finish with the help of Estelle and Danny. We are delighted with the car, it was exactly as described and has super low mileage. Delivered for free in time for my daughters 21st birthday. Danny taxed it for us with no fuss. They even helped us keep the secret by writing 'hire car' on the keyring, so as not to raise suspicion. Perfect down to the very last detail. Thank you!

    Wonderful Dealership
  • Recently bought a new car and dealt with Radu who was fantastic. He was so helpful and kept me up-to-date and informed throughout the whole process. The delivery driver was also super friendly and would definitely recommend DCC to anyone.

    Recently bought a new car and dealt with Radu who was fantastic. He was so helpful and kept me up-to-date and informed throughout the whole process. The delivery driver was also super friendly and would definitely recommend DCC to anyone.

    Would Recommend DCC To Anyone
  • We just wanted to leave a review to say how pleased we were with the whole experience, from George Parker to the lovely delivery guy Jacob. . So pleased with the car.

    We just wanted to leave a review to say how pleased we were with the whole experience, from George Parker to the lovely delivery guy Jacob. . So pleased with the car.

    Pleasant Experience
  • Brilliant service. I bought a car from overseas in the Channel Islands over the phone. The car was delivered on time to the docks and shipped over to me. The car was as described and I am very pleased. The videos and photos at my request really helped. Appreciate all the time you spend Ollie. Will n... Read More

    Brilliant service. I bought a car from overseas in the Channel Islands over the phone. The car was delivered on time to the docks and shipped over to me. The car was as described and I am very pleased. The videos and photos at my request really helped. Appreciate all the time you spend Ollie. Will not hesitate to use again.

    Brilliant Service
  • These guys are so good I’ve bought my last 8 cars from them for both my wife and I - don’t even bother to look anywhere else as I know I’ll get a great deal on my new car and trade-in with first class customer service. I’m so happy with them that I buy cars off the web withou... Read More

    These guys are so good I’ve bought my last 8 cars from them for both my wife and I - don’t even bother to look anywhere else as I know I’ll get a great deal on my new car and trade-in with first class customer service. I’m so happy with them that I buy cars off the web without seeing them first knowing that everything will be great. Big shout out to Rich who’s the boss when it comes to a hassle free purchase - I had my new car on the drive in less than 4 hours today - where else can you get that level of service? Check out DCC!

    These Guys Are So Good
  • A excellent company that were really helpful in buying my first car. Very polite and professional and will definitely be using them again in the future.

    A excellent company that were really helpful in buying my first car. Very polite and professional and will definitely be using them again in the future.

    Excellent Company
  • This is the second time that I have brought a vehicle from DCC. Very happy with the cars and level of customer service given. 

    This is the second time that I have brought a vehicle from DCC. Very happy with the cars and level of customer service given. 

    Second Time!