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 and you will become the owner of the vehicle once the final repayment including interest 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. 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.
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All lending is subject to status checks and an affordability assessment.


hire purchase (HP)

Personal Contract Purchase (PCP)

Hire Purchase (HP)

From 1 - 5 years

Personal contract purchase (PCP)

From 1 - 4 years

Hire purchase (HP)

£0 deposit may be available

Personal Contract purchase (PCP)

£0 deposit may be available

Hire purchase (HP)

Personal contract purchase (PCP)

Hire Purchase (HP)

Personal contract purchase (PCP)

hire purchase (HP)

Typically 14 years

Personal Contract purchase (PCP)

Typically 7 years

hire purchase (HP)

personal contract purchase (PCP)

If you choose to pay the optional final repayment

hire purchase (HP)

personal contract purchase (PCP)

Return conditions apply

hire purchase (HP)

personal contract purchase (PCP)

Charges apply if you return the vehicle

hire purchase (HP)

Return conditions apply

personal contract purchase (PCP)

Return conditions apply

hire purchase (HP)

personal contract purchase (PCP)

hire purchase (HP)

personal contract purchase (PCP)

hire purchase (HP)

Once every 12 months

personal contract purchase (PCP)

Once during 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)