BLACK HORSE FINANCE
PRODUCT COMPARISON
Compare our finance products

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.
All lending is subject to status checks and an affordability assessment.
Hire purchase (HP)
£0 deposit may be available
Personal Contract purchase (PCP)
£0 deposit may be available
hire purchase (HP)
personal contract purchase (PCP)
If you choose to pay the optional final repayment
KEY CUSTOMER INFORMATION
HIRE PURCHASE (hp)
PERSONAL CONTRACT PURCHASE (pcp)
New and used vehicles
Length of agreement
From 1 - 5 years.
From 1 - 4 years.
Deposit required
£0 deposit may be available.
£0 deposit may be available.
Fixed monthly repayments
Optional final repayment

Maximum permitted age of the car at agreement end
Typically 14 years.
Typically 7 years.
Ownership at agreement end
After optional final repayment is paid
End of contract goods return option

Return conditions apply.
Mileage and condition restrictions/charges
(if you exceed agreed mileage or the vehicle is not in good condition upon return)

Charges apply if you return the vehicle
Voluntary termination
Return conditions apply
Return conditions apply
Early settlement option
Fully comprehensive insurance required
Ability to amend monthly payment due date
Once every 12 months.
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)
Finance is subject to status and is only available to UK residents aged 18 and over. Finance provided by Black Horse Limited, St William House, Tresillian Terrace, Cardiff CF10 5BH.
Black Horse Limited Registered in England and Wales with registered number 661204.
Registered Office: 25 Gresham Street, London EC2V 7HN