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Compare your car finance options
If you’re shopping around for your next set of wheels, Halifax car finance can put you in the driver’s seat.
Let’s help you find the right finance for your needs
Personal Contract Purchase (PCP)
Make fixed monthly payments over an agreed term. You can make a final payment to own the car when your agreement ends.
- Borrow between £3,000 and £60,000.
- 7.9% APR when you borrow between £7,000 and £25,000.
- Lower monthly repayments than Hire Purchase.
- Choose a term between one and four years.
- Return the car at the end of your term or pay a lump sum to keep it.
Hire Purchase (HP)
Make fixed monthly payments over an agreed term. You own the vehicle when your agreement ends.
- Borrow between £3,000 and £60,000.
- 5.9% APR when you borrow between £7,000 and £25,000.
- Fixed monthly payments.
- Choose a term between one and five years.
- No final lump sum payment and you own the car at the end of your agreement.
Car leasing
Drive away in a brand-new car and simply return it when your contract ends, or switch to another new car.
- It’s like a long-term rental, so there’s no borrowing.
- Choose from thousands of brand-new cars from more than 30 manufacturers.
- Fixed monthly payments.
- Choose a term between two and five years.
- Return the car when your term ends.
Switch your current car finance to us
Refinance to a better deal with us and pay less each month.
- Switch to a PCP or HP deal.
- Apply online and get a decision in a few minutes.
- Fixed monthly payments.
- Keep your current car.
- Refinance your final balloon payment to us and spread the payments.
Get a decision online in minutes
Here’s how we can help you find the right finance option for your needs:
- Get as many online quotes as you like with no impact on your credit score.
- We’ll give you a decision on the spot.
- If we make you an offer, it’s valid for 90 days to give you time to consider it.
- If you decide not to take our offer, it won’t affect your credit score.
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Ready to apply online?
Before you start, let’s check that you qualify to apply for car finance.
You need to be:
- At least 18 years old and resident in the UK.
- A Halifax current account customer for at least three months.
- Registered for Online Banking.
Credit is subject to status and affordability checks.
A personal loan might suit you better
We only offer finance for new and used cars from Halifax-approved dealers. If you’ve already found a car you like, you can check if the dealer is on our approved list on our dealer locator map.
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If you’re buying from a private seller or want to buy a commercial vehicle, motorbike, motorhome or caravan, a loan might be better for you.
Find out how our other borrowing options, including personal loans, could help.
