CONDITIONAL SALE Car finance made simple
Spread the cost of your next car with fixed monthly payments and a clear route to ownership at the end of the agreement.
Fixed monthly payments Own the car at the end No large balloon payment
Fixed monthly payments Own the car at the end No large balloon paymentCar Loans UK is a credit broker, not a lender. Rates from 10.9% APR. Representative 21.6% APR (fixed).
Representative Example (Hire Purchase): Borrow £6,000 with £0 deposit over 60 months with a representative 21.6% APR (fixed). 60 monthly payments of £157.92. Final Option to Purchase Fee: £10. Total cost of credit: £3,485.20. Total amount payable: £9,485.20. Car Loans UK is a credit broker, not a lender. This is an example only; all finance is subject to status. Lender fees may apply.
What Is Conditional Sale (CS) Finance?
Conditional sale, often shortened to CS, lets you buy a car over time. You may pay a deposit first, then repay the balance plus interest in fixed monthly payments over an agreed term, usually 12 to 60 months. When the final payment is made, the car becomes yours automatically, with no balloon payment and, unlike HP, no small option-to-purchase fee at the end.
QUICK AND SIMPLE FINANCE TOOL
USE OUR FINANCE
CALCULATOR
Discover how much you could borrow
before you apply
Car Loans UK is a credit broker, not a lender. Rates from 10.9% APR. Representative 21.6% APR (fixed).
Representative Example (Hire Purchase): Borrow £6,000 with £0 deposit over 60 months with a representative 21.6% APR (fixed). 60 monthly payments of £157.92. Final Option to Purchase Fee: £10. Total cost of credit: £3,485.20. Total amount payable: £9,485.20. Car Loans UK is a credit broker, not a lender. This is an example only; all finance is subject to status. Lender fees may apply.
Conditional Sale vs HP vs PCP
If you want to own the car and avoid mileage caps, CS or HP usually makes more sense than PCP. If low monthly payments matter more than ownership, PCP can be a better fit. Because CS is less common on UK lender panels, this page should help you compare all three options.
Car Loans UK is a credit broker, not a lender. Rates from 10.9% APR. Representative 21.6% APR (fixed).
Representative Example (Hire Purchase): Borrow £6,000 with £0 deposit over 60 months with a representative 21.6% APR (fixed). 60 monthly payments of £157.92. Final Option to Purchase Fee: £10. Total cost of credit: £3,485.20. Total amount payable: £9,485.20. Car Loans UK is a credit broker, not a lender. This is an example only; all finance is subject to status. Lender fees may apply.
Who It Can Suit And What Lenders Check
Who It Can Suit
Conditional sale can suit drivers who want to own the car, keep it for several years and avoid mileage caps. If you like that idea but want the closest alternative, HP is usually the nearest match. If the main goal is to keep monthly payments down, PCP may be a better fit.
What Lenders Check
Lenders normally look at your income, regular outgoings, credit history and overall affordability. You will usually need proof of identity and address, proof of income, and recent bank statements or Open Banking access. A deposit can help, and so can choosing a realistic car for your budget. Avoid making lots of hard applications in a short period, and have your documents ready before you apply.
CAR LOANS UK: HOW DOES IT WORK?
A step by step guide:
Our aim at Car Loans UK is to find you the perfect vehicle and finance plan. Our experienced consultants do the hard work,
saving you the time and effort. We will actively source you the ideal used car and finance package from our panel of lenders.
STEP 01 ⸺
FILL IN
DETAILS
Fill in your details using the form above or click here to begin the process.
STEP 02 ⸺
WE FIND YOUR
PERFECT CAR
We find you the perfect used car. Whether you have a specific make or model in mind, or just want a 5-door family car with air conditioning, our team will find the right car for your needs.
STEP 03 ⸺
SOURCE
FINANCE
We work with a panel of UK lenders to try and find you a finance agreement and payment plan that suits your budget. We carry out the relevant checks and keep you informed every step of the way.
So, let Car Loans UK take the strain of searching for a new car and finance plan away, and begin your journey today.
CONDITIONAL SALE
FAQ'S
Compare HP and PCP first, then check your eligibility with a soft search to see which route best fits your budget and ownership goals.
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