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Finance at Station Garage, Blackburn

Explore Flexible Financing Options: Hire Purchase (HP) and Personal Contract Purchase (PCP)

At Station Garage,we understand that finding the right financing option is an essential part of the car-buying journey. That's why we offer two popular choices: Hire Purchase (HP) and Personal Contract Purchase (PCP). Each option is designed to cater to your unique preferences and financial needs, making your dream car more accessible than ever.

Hire Purchase (HP):

With HP, you can drive off with your desired vehicle while spreading the cost over a fixed term. Here's why HP might be the right fit for you:

  • Ownership: You'll own the car outright once all payments, including the final one, are made.
  • Structured Payments: Monthly payments are fixed, making budgeting straightforward.
  • Gradual Equity: As you make payments, your equity in the vehicle increases.
  • Flexible Terms: Choose the repayment period that suits you best.
  • Ideal for Long-Term Ownership: Perfect if you plan to keep your car for an extended period.


Personal Contract Purchase (PCP):

  • PCP offers greater flexibility and affordability, allowing you to enjoy your chosen vehicle with lower monthly payments. Here's why PCP might be your preferred choice:
  • Lower Payments: Monthly payments are typically lower than HP, as you're financing a portion of the car's value.
  • Options at the End: At the end of the agreement, you have choices: return the car, pay the optional final payment to own it, or use its value as a deposit for a new car.
  • Variety of Terms: Select the term and mileage that aligns with your needs.
  • New Car Regularly: Perfect if you like driving a new car every few years.


Visit us today to explore our vehicles and discuss the financing options that best fit your preferences.

We act as a credit broker not a lender. We work with a number of carefully selected credit providers who typically will be able to offer you finance for your purchase. (Written quotations available on request). Whichever lender we introduce you to, we will typically receive a fee from them (either a fixed fee or a percentage of the amount you borrow). The lenders we work with could pay commissions at different rates. All finance is subject to status and income. Terms and conditions apply. Applicants must be 18 years or over.