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.
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
British Bank Awards
In 2021, Zopa was named as the British Bank Awards’ Best Personal Loan Provider for the fifth year in a row. 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