Finance Solutions For Your Next Vehicle
Purchasing a car—whether for personal use or your business—should be straightforward and tailored to your needs. At Percy Finance, we work with a wide network of trusted UK lenders to make car ownership more accessible, offering flexible finance options that suit your budget and circumstances.
As an FCA-authorised credit broker, we arrange a range of funding solutions, including Hire Purchase (HP), Personal Contract Purchase (PCP), and Lease Purchase, all designed to give you the freedom to drive the vehicle you need without compromise. Our team takes the time to understand your requirements, from vehicle type to payment preferences, so we can match you with the most suitable finance options available.
Whether you’re upgrading your family car, securing a reliable company vehicle, or refinancing an existing agreement, Percy Finance provides a seamless, end-to-end service. We pride ourselves on delivering competitive terms, quick decisions, and ongoing support—helping you get on the road with confidence.
Why Choose Percy Finance?
At Percy Finance, we help individuals and businesses secure flexible funding for a wide range of vehicles. Our specialist vehicle finance team works with a panel of trusted lenders to arrange competitive finance solutions tailored to your needs.
✔ Flexible Car Finance Options
✔ Access to a Wide Panel of UK Lenders
✔ FCA Authorised Credit Broker
✔ Supporting Individuals & Businesses Nationwide
We Can Source a Range Of Finance Solutions…
We arrange a variety of vehicle finance solutions depending on your needs, vehicle type, and preferred repayment structure.
Specialist Expertise in Luxury & Performance Vehicles
Specialist Expertise in Luxury & Performance Vehicles
Specialist Expertise in Luxury & Performance Vehicles
Expertise
Access
Discretion
Why Percy Finance For Your Car Finance?
Trust
We Can Source a Range Of Finance Solutions…
We arrange a variety of vehicle finance solutions depending on your needs, vehicle type, and preferred repayment structure.
Hire Purchase (HP) Car Finance
Hire Purchase (HP) is one of the most straightforward ways to finance a vehicle. With HP, you agree to pay for your car through fixed monthly instalments over an agreed term, after paying an initial deposit. Unlike leasing, you are working towards full ownership – once the final payment is made, the vehicle is legally yours.
This type of car finance is popular with both individuals and businesses who want predictable monthly costs and the ability to own the car outright at the end of the agreement. Because the finance is secured against the vehicle, the car itself acts as security for the loan.
Key features of Hire Purchase car finance:
- Fixed monthly repayments, making budgeting easier
- Initial deposit (typically 5–10% of the vehicle price)
- Flexible repayment terms, usually between 2–5 years
- Ownership of the car at the end of the agreement (once all payments are made)
- No large final “balloon payment” (unlike PCP finance)
Personal Contract Purchase (PCP) Car Finance
Personal Contract Purchase (PCP) is a flexible type of car finance that allows you to pay lower monthly instalments compared to Hire Purchase. With PCP, you pay an initial deposit followed by fixed monthly payments over an agreed term. At the end of the agreement, you have three options:
- Return the car – Hand the vehicle back with nothing more to pay (subject to mileage and fair wear and tear).
- Make the optional final payment – Often called a “balloon payment,” which transfers full ownership to you.
- Part-exchange – Use any equity towards your next vehicle finance agreement.
This flexibility makes PCP one of the most popular car finance options in the UK.
