Conditional sale

Conditional sale definition


Conditional sale is a popular method of financing a vehicle. It spreads the cost of purchasing a vehicle across affordable monthly repayments. Simply choose how much you want to finance over a fixed term – usually from 2 to 5 years – and the repayments and interest are equally divided into monthly repayments. At the end of your agreement, there’s no additional fees and the car is yours. Plus you also have the flexibility to pay off the total amount early if your circumstances change.

Apply for conditional sale today, and receive an instant decision without affecting your credit score.

Advantages of conditional sale


If you’re looking to own your vehicle with cost-effective finance, conditional sale could be your answer.

Apply online today for a no obligation quote, without affecting your credit score.

Why choose hire purchase?

Widely available to a range of credit backgrounds

Easy budgeting with fixed interest rates

Enjoy the freedom of no mileage limits

The car is yours at the end of the agreement

How does conditional sale work?


You want to purchase a Nissan Qashqai valued at £12,800, so you opt for a 48-month agreement with an APR of 10.9%. You have a £500 deposit, so the amount of credit required is £12,300. The interest, combined with the amount borrowed, is divided into 48 monthly payments of £314.27, bringing the total amount payable to £15,585. When the final payment has been made the car is yours.

Find out how much you can borrow using our Car Finance Calculator.

Terms and conditions apply. Subject to status, application and credit acceptance.

Representative example: borrowing £7,500 over 48 months with a representative APR of 18.9%, an annual interest rate of 18.9% (Fixed) and a deposit of £0.00, the amount payable would be £223.86 per calendar month, with a total cost of credit of £3,245.06 and a total amount payable of £10,745.06.

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