HP01
Hire Purchase
Fixed monthly payments until you own the vehicle outright. No balloon payment required.
- Fixed interest rate
- Own the car at the end
- No mileage limits
- Modify the vehicle if you wish
Best for
Customers who want to own the vehicle
Finance · FCA regulated
Drive away today,
pay your way.
A panel of lenders, competitive rates, and decisions in minutes. We're a credit broker — we find the deal that actually fits.
From
9.9% APR
Representative
Subject to status. Over 18s only.
01
Quick decisions
Usually within minutes
02
All credit considered
Multiple lender panel
03
Competitive rates
Tailored to circumstances
04
Simple process
Apply online or in person
Options
Three ways
to drive home.
Not sure which is right? We'll walk you through it — no jargon, no pressure.
PCP02
Personal Contract Purchase
Lower monthly payments with a final balloon payment to own — or hand the car back.
- Lower monthly costs
- Flexible end options
- Trade in for a new car
- Or pay final amount to own
Best for
Customers who like to change cars regularly
Loan03
Personal Loan
Borrow the full amount and own the vehicle from day one. Simple and flexible.
- Own the car immediately
- Fixed monthly payments
- No restrictions on vehicle
- Pay off early if you want
Best for
Customers who want full ownership instantly
Calculate
See your
monthly payment.
Browse the stock to see estimated monthly figures alongside each price.
FAQ
Common questions,
honest answers.
01What credit score do I need?
We work with a range of lenders and can often help customers with various credit histories. Even if you've been declined elsewhere, we may be able to help find a solution.
02How long does approval take?
Most applications receive a decision within minutes. More complex cases may take a few hours. We'll keep you informed throughout the process.
03What documents do I need?
You'll typically need proof of identity (driving licence or passport), proof of address (utility bill or bank statement), and proof of income (payslips or bank statements).
04Can I settle my finance early?
Yes, you can settle your finance agreement early. The settlement amount will include any outstanding balance plus any early settlement charges (usually minimal).
05Is the deposit negotiable?
Yes, we can work with various deposit amounts. A larger deposit typically means lower monthly payments, but we can find a solution that works for your budget.
Representative example
Borrowing £10,000 over 48 months with a representative APR of 9.9%, the amount payable would be £248.50 per month, with a total cost of credit of £1,928 and a total amount payable of £11,928.
Auto Track Japan is authorised and regulated by the Financial Conduct Authority (FCA). We act as a credit broker, not a lender. Finance is subject to status. Terms and conditions apply. Over 18s only. Finance provided by a panel of lenders.