Compare Our
Finance Products

Compare our range of finance products and find the Black Horse solution
that suits your individual preferences and circumstances.

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A personal approach to finance

What is Motor Finance?

Product Comparison Table

Motor finance helps you spread the cost of a new or used vehicle. Instead of paying the full amount up front, you pay monthly instalments, including an amount of interest, over an agreed repayment period. We have a range of finance products to suit your individual preferences and circumstances. For further information on our products, please visit the Motor Finance page.

Our Finance Products

Each of our finance products works slightly differently. Our products and the differences between them are explained in more detail below.

Further information is also available on our individual product pages. You should take a look at these pages to help you decide which product is right for you.

All lending is subject to status checks and an affordability assessment. Finance is only available to persons aged 18 and over.

Our Finance Products

Key Customer Information	Hire Purchase (HP)	Lease Purchase (LP)	Personal Contract Purchase (PCP)
Deposit required	Flexible. 0% may be available.	Flexible. 0% may be available.	Flexible. 0% may be available.
Length of agreement	From 1-5 years	From 2-4 years	From 1-4 years
Fixed payments
Final lump sum repayment at agreement end
Maximum permitted age of the car at agreement end	Typically 14 years	Typically 14 years	Typically 7 years
Ownership at agreement end		If you pay the final lump sum payment.	If you pay the final lump sum payment.
Goods return option			Return conditions apply.
Excess mileage charges			If exercise goods return option and exceed mileage allowance.
Part exchange N.B. Subject to settling outstanding finance. New agreements subject to status.
Fully comprehensive insurance required
Ability to amend monthly payment due date N.B. Subject to loss of interest charge	Once every 12 months.	Once every 12 months.	Once over the lifetime of the agreement.

Hire Purchase (HP)

Flexible. 0% may be available.

Lease Purchase (LP)

Flexible. 0% may be available.