Hire Purchase Car Finance in Canterbury, Kent

At Canterbury Motoring World (CMW), we understand that not everyone can pay for a car outright – and you shouldn't have to. 

Our Hire Purchase (HP) finance options make it easier to spread the cost of your next vehicle into manageable monthly payments, helping drivers across Canterbury, Whitstable, Herne Bay, Faversham, and throughout the CT, TN, and ME postcode areas get behind the wheel sooner.

Make Your Next Car More Affordable with Hire Purchase Finance

Whether you're looking at a premium Audi, BMW, or Mercedes-Benz, a reliable family car from Ford, Volkswagen, or Toyota, or a practical runabout from Fiat, Mini, or Vauxhall, we can arrange competitive Hire Purchase finance to suit your budget and circumstances.

What is Hire Purchase Used Car Finance?

Hire Purchase is one of the most straightforward ways to finance a used car. Here's how it works:

Step 1: Choose Your Deposit

You pay an initial deposit. This is typically 10% of the car's value, though we can often be flexible.

Step 2: Fixed Monthly Payments

You then make fixed monthly payments over an agreed term, usually between 12 and 60 months.

Step 3: Own Your Car

Once all payments are made, the car is yours to keep. Simple, transparent, and no balloon payments at the end.

HP finance gives you the certainty of fixed payments and the satisfaction of owning your car outright at the end of the agreement. You'll know exactly what you're paying each month, making it easier to budget and plan ahead.

Why Choose CMW for Used Car Finance?

• Canterbury Motoring World is authorised and regulated by the Financial Conduct Authority, giving you confidence and protection when arranging finance
• We work with a carefully selected panel of trusted lenders to find you competitive rates
• We act as a credit broker, not a lender, meaning we do the hard work of finding the right deal for you
• No hidden fees or surprises
• We provide finance on all makes and models of cars
• We’re proud to provide a local service across Kent

Who Can Apply for Hire Purchase Finance?

Hire Purchase used car finance is available to UK residents aged 18 or over. We work with lenders who consider a range of circumstances, so even if you've had credit challenges in the past, it's worth talking to us. Every application is assessed individually, and we'll always be honest about your options.

To apply, you'll typically need:

• UK driving licence
• Proof of address
• Proof of income
• Bank details

Used Car Finance Across Our Full Range of Cars

We arrange Hire Purchase finance on all the quality used vehicles we stock, from affordable city cars to premium executive models. Whether you're looking for a German prestige model, a popular brand of family car, a stylish small car, or a practical SUV, whatever you're looking for, if we have it in stock, we can help arrange finance for it.

Start Your Used Car Finance Journey Today

Getting a finance quote for your used car is simple. Browse our current stock online, find a car you like, and give us a call on 01227 479338 or visit us in person at our showroom on Sturry Road in Canterbury. We'll talk you through your options, answer any questions, and provide a no-obligation quotation.

Serving drivers in Canterbury, Whitstable, Herne Bay, Faversham, Deal, Ashford, Thanet, and throughout Kent, we're here to make car ownership more affordable and accessible.

CANTERBURY MOTORING WORLD LIMITED is authorised and regulated by the Financial Conduct Authority, under FCA number: 1022889. We act as a credit broker not a lender. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase. (Written Quotation available upon request). Whichever lender we introduce you to, we will typically receive commission from them (either a fixed fee or a fixed percentage of the amount you borrow) and this may or may not affect the total amount repayable. The lender will disclose this information before you enter into an agreement which only occurs with your express consent. The lenders we work with could pay commission at different rates and you will be notified of the amount we are paid before completion. All finance is subject to status and income. Terms and conditions apply.

Applicants must be 18 years or over. We are only able to offer finance products from these providers. As we are a credit broker and have a commercial relationship with the lender, the introduction we make is not impartial, but we will make introductions in line with your needs, subject to your circumstances.