Deciding how to finance your new car is an important decision and we are here to help find the right solution for you.
We work with many lenders to offer special NHS rates and different types of finance to suit all NHS Staff, including Nurses, Doctors & Ancillary staff. Our finance partners include Northridge, BNP Paribas, Santander, CA Auto, Motonovo, Alphera, Mann Island, Close Brothers, and all manufacturer-led finance services, to name just a few.
We offer multiple finance options including Hire Purchase, Personal Contract Purchase and Personal Contract Hire, all of which are further explained below.
We provide exclusive NHS discounts on more than 28 brands including Audi, BMW, Toyota, Ford, Volkswagen, and more
Use our pre-approval service to find out now. Our soft search facility will not adversely affect your credit profile or your ability to obtain finance in the future.
Even if you have been declined credit elsewhere, we may still be able to help you.
Hire Purchase is a straightforward finance agreement, where you effectively purchase a vehicle from a finance company for an agreed period of time, and results in your ownership of your car at the end of the agreement.
Why would HP be good for me?
Things to Consider +
With PCP finance, you pay a monthly fee with the option, but not the obligation, to buy the car at the end of the agreement for a guaranteed future value (GFV). Your PCP agreement will be tailored to you, setting your agreed annual mileage and term. PCP differs from HP as the monthly payments only pay for the depreciation of the car, giving you a lower monthly payment.
At the end of the agreement you will have three options:
Why would PCP be good for me?
Want to see how PCP monthly payments compare to your budget? Use our PCP finance calculator to estimate your monthly payments based on your deposit, mileage, and term length. Our calculator helps NHS staff understand the true cost of PCP finance before committing to an agreement.
Things to Consider +
With contract hire you literally hire your car for the term of your agreement, returning your car at the end. A PCH contract is tailored to you, setting your annual mileage and term. Our PCH agreements all include warranty; road tax and breakdown cover and you can choose to add a maintenance package if you wish.
Why would PCH be good for me?
Check out our top car leasing deals & offers available today.
Things to Consider +
| Monthly payments | Deposit required | Do you own the car? | Mileage limit | Damage charges | |
|---|---|---|---|---|---|
| Hire Purchase (HP) | Higher | No | Yes - at end | No | No |
| Personal Contract Purchase (PCP) | Lower | No | Optional | Yes* | Yes* |
| Personal Contract Hire / Leasing (PCH) | Lower | Yes | No | Yes | Yes |
*Only if the car is returned or traded in
We are proud to work in partnership with all NHS Trusts and several Health Care organisations to further support our NHS and Health Care professionals.
Find out more about these partnerships by clicking the logos below.
