Get behind the wheel with HP

We offer some of the best hire purchase (HP) car finance rates online. Checking your personalised rate won't affect your credit score.

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Average star score of 4.5 in trustpilot
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Why choose HP?

Own the car at the end

As soon as you clear the outstanding balance, the car is yours. Done and dusted.

Drive unlimited miles

Unlike other finance options, there are no mileage limits. Road trip, anyone?

Fixed monthly repayments

Know exactly what you'll pay each month from start to finish.

Cars that qualify...

  • Under 10 years old

  • Driven less than 120,000 miles

  • Sold by trusted dealership

We only work with dealerships who are regulated by the Financial Conduct Authority and have a good credit history.

What your agreement will look like

Example 5 year term

1. Pay a deposit


2. Make monthly repayments

Payments over 60 months to own a car

The journey from start to finish


Tell us how much you'd like to borrow.


We'll check you meet our lending criteria and if so, we'll approve you with a guaranteed interest rate.


Visit your favourite dealer and choose a car, knowing what you can afford.


Once you've chosen, if the car and dealer pass our checks, we'll pay them direct.


Pay the finance back monthly, including interest. When you've repaid in full, you'll own the car.

It’s important to remember that HP is a secured loan, which means you don’t own the car straight away and it can be repossessed if you fall behind on repayments.

People often ask us

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British Bank Awards

Award-winning loans

In 2023, Zopa was named as the British Bank Awards’ Best Personal Loan Provider. Organised by the Smart Money People, the awards are voted for and decided by the people that matter most, our customers. We’re hugely proud of winning this award again, so thank you to everyone that voted for us!

See our awards

Unsure what car finance is best for you?

Head to our comparison page to review the different options we offer for financing your next car.

Compare car finance