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.
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
Rates start from 9.9% APR.
Representative example: borrowing £7,500 over 48 months with a REPRESENTATIVE APR of 24.9%, an annual interest rate of 24.9% (Fixed) and a deposit of £0.00, the amount payable would be £238.10 per calendar month, with a total cost of credit of £3,928.80 and a total amount payable of £11,428.80.
Rates may differ as they are dependent on individual circumstances. Rates from 9.9% APR: the exact rate you will be offered will be based on your circumstances, subject to status.
Find out how much you can borrow using our Car Finance Calculator.
Terms and conditions apply. Subject to status, application and credit acceptance.
Provided you’re aged between 18-75 and have a driving licence you will likely be eligible. Why not Check Your Eligibility and receive a decision within a matter of minutes, without affecting your credit score. Got a question about eligibility? For further advice, visit our Eligibility FAQs
Yes. Typically Conditional Sale or Hire Purchase have the highest approval rate of all car finance options and is often available to people with a less-than-perfect credit history. And because Creditplus work with several lenders who specialise in Bad Credit Car Finance, we can help you get the best possible deal, even if you have been refused car finance elsewhere.
Want to check your eligibility without affecting your credit score? Our Eligibility Checker only takes a few minutes, and you’ll receive an instant decision.
In most cases, lenders will look more favourably on people with a higher credit score. If that’s you - good news! A strong credit profile will normally result in lower interest rates, helping to reduce the overall cost of your loan. And if you haven’t got a perfect score, you can easily turn things around with a little work. To access the best possible rates, try our Complete Guide for top tips to help you improve your credit score, and maintain it.
CS is a type of conditional sale agreement, whereby the entire cost of the vehicle is divided into equal monthly repayments over the length of your contract. At the end of the agreement, you own the vehicle.
HP is also a type of conditional sale agreement, but some lenders charge a nominal 'option-to-purchase' fee at the end of the agreement before the car is yours. This is typically £50-£100.
Provided you’re aged between 18-75 and have a driving licence you will likely be eligible. Why not Check Your Eligibility and receive a decision within a matter of minutes, without affecting your credit score. Got a question about eligibility? For further advice, visit our Eligibility FAQs
Yes. Typically Conditional Sale or Hire Purchase have the highest approval rate of all car finance options and is often available to people with a less-than-perfect credit history. And because Creditplus work with several lenders who specialise in Bad Credit Car Finance, we can help you get the best possible deal, even if you have been refused car finance elsewhere.
Want to check your eligibility without affecting your credit score? Our Eligibility Checker only takes a few minutes, and you’ll receive an instant decision.
In most cases, lenders will look more favourably on people with a higher credit score. If that’s you - good news! A strong credit profile will normally result in lower interest rates, helping to reduce the overall cost of your loan. And if you haven’t got a perfect score, you can easily turn things around with a little work. To access the best possible rates, try our Complete Guide for top tips to help you improve your credit score, and maintain it.
CS is a type of conditional sale agreement, whereby the entire cost of the vehicle is divided into equal monthly repayments over the length of your contract. At the end of the agreement, you own the vehicle.
HP is also a type of conditional sale agreement, but some lenders charge a nominal 'option-to-purchase' fee at the end of the agreement before the car is yours. This is typically £50-£100.
Your application only takes a couple of minutes and won't affect your credit score.
That's why we're rated 9.1/10 on Trustpilot
Jonathan Cross
Martin Dear
James Daniel Forrest
Facebook
Twitter
Instagram
LinkedIn
Youtube