An older man inspecting the boot of a car in a dealership.


Black Horse Hire Purchase could help you buy your dream car while spreading the cost. Agree an initial deposit, the agreement term and monthly repayment amount with your dealer, who will then submit the finance application to us. Subject to your application being approved, you can just drive the car away – and after you’ve made all the repayments including the interest, it's all yours.


Borrow any amount from £1,000 and set repayments to suit your budget for terms of 1–5 years
Available on new or used cars up to 14 years old at the end of the agreement, some exceptions apply
Flexible Deposit Options – 0% deposit may be available subject to status



Ideal if
You want to own your car outright at the end of your agreement
You like to budget and know the exact repayment amount each month

The choice is yours
Choose any new or used car up to 14 years old at the end of the agreement. Some exceptions apply.

Budget with confidence
Fixed regular repayments, giving you peace of mind
Protection under the Consumer Credit Act Termination Rights and Protection under the Consumer Rights Act

Things to consider
You have no protection against depreciation as a result of an unexpected fall in the value of the vehicle
You do not own the vehicle until the final repayment has been made
Your vehicle is at risk of repossession if you do not maintain contractual repayments
You must have fully comprehensive insurance
• Before you decide to apply for finance for a vehicle, we would encourage you to make enquiries of the dealer to ensure you fully understand the history of the vehicle so that you can make a fully informed decision as to whether the vehicle is suitable for you

Hire Purchase

Watch the product video or download our Car product eBook for more information.

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