BLACK HORSE FINANCE
PRODUCT COMPARISON

Father and daughter smiling in a park

What is
CAR FINANCE


Black Horse Car Finance helps you spread the cost of a new or used car. Instead of paying the full cost of the car upfront, you would typically pay a deposit and make monthly repayments which include any interest payable, over an agreed term. 
​ Black Horse buys the car on your behalf. The finance agreement is secured against the car for the duration of the agreement and the car will be owned by Black Horse Finance until the final repayment has been made.


OUR FINANCE PRODUCTS

The dealers that we work with may offer a range of finance products.
Each of our finance products works slightly differently. Our products and the differences between them are explained in more detail below.
Further information is also available in our Product Guide e-Book. You should read this guide to help you decide which product is right for you. Alternatively, why not watch our Finance Product Videos which can be found below.
All lending is subject to status checks and an affordability assessment.


HIRE PURCHASE (HP)

Flexible. 0% maybe available.

PERSONAL CONTRACT PURCHASE (PCP)

Flexible. 0% maybe available. 

HIRE PURCHASE (HP)

From 1 - 5 years. 

PERSONAL CONTRACT PURCHASE (PCP)

From 2 - 4 years. 

HIRE PURCHASE (HP)

PERSONAL CONTRACT PURCHASE (PCP)

HIRE PURCHASE (HP)

PERSONAL CONTRACT PURCHASE (PCP)

HIRE PURCHASE (HP)

Typically 14 tyears.

PERSONAL CONTRACT PURCHASE (PCP)

Typically 7 years.

HIRE PURCHASE (HP)

PERSONAL CONTRACT PURCHASE (PCP)

If you pay the final
​lump sum payment.

HIRE PURCHASE (HP)

PERSONAL CONTRACT PURCHASE (PCP)

Return conditions apply.

HIRE PURCHASE (HP)

PERSONAL CONTRACT PURCHASE (PCP)

If exercise goods return option
and exceed mileage allowance.

HIRE PURCHASE (HP)

PERSONAL CONTRACT PURCHASE (PCP)

HIRE PURCHASE (HP)

PERSONAL LEASE PURCHASE (PCP)

Hire PURCHASE (HP)

PERSONAL CONTRACT PURCHASE (PCP)

HIRE PURCHASE (HP)

Once every 12 months. 

PERSONAL CONTRACT PURCHASE (PCP)

Once over the lifetime 
of the agreement.

OUR FINANCE PRODUCT VIDEOS
Our finance product videos explain the finance products available from Black Horse.
Watch the videos to help you decide which product is right for you.

 Hire Purchase (HP)

 Personal Contract Purchase (PCP)