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Don't miss the UK's biggest used cars sale!
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Our finance rates start at 8.9% APR representative across our used car range. And there are no hidden fees - the price you see is the price you pay.
Use the Deal Builder tool to choose your finance type, deposit, term and annual mileage allowance.
With the Arnold Clark mobile app, you can access your finance details, view your car payment plan, and schedule and track your mileage!
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PCP is perfect for drivers who:
At the end of the agreement you have a few options:
PCH benefits drivers who:
At the end of the agreement:
HP is ideal for drivers who:
At the end of the agreement:
Still not sure which finance option is best for you?
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With the Arnold Clark mobile app, you can access your finance details, view your car payment plan, and schedule and track your mileage!
Download the Arnold Clark app today.
A car finance agreement is a credit agreement between you and the lender which allows you to pay the cost of your car in instalments rather than a lump sum.
We can help you to work out the ideal time to change your car - pop into a branch and speak to one of our product consultants. Some of our lenders may be willing to underwrite this type of finance, either as an unsecured personal loan or a hybrid finance arrangement, where the car is on a secured agreement but the negative equity on a personal loan.
You simply need your debit or credit card (to pay the initial deposit) and your driving licence, as a form of identification.
That doesn't necessarily mean you won't be able to arrange a finance deal with us. We work with more than 20 lenders to find the right finance package. Just let us know if you know you have a poor credit score, and we will try to match you with the most appropriate lender. Speak to one of our product consultants for more information.
You pay an initial deposit, followed by monthly payments. At the end of your payments, a final larger payment remains. You can either pay this to keep the car, part-exchange for a new car, or hand the car back.
You take control of the car for a contractual period and make fixed monthly payments. When the contract expires, you return the car, or take out a contract on a new one.
You pay an initial deposit, followed by monthly payments which are set by you. Once the final payment is made, the HP contract ends and you own the car.
Reviews
Arnold Clark Automobiles Limited is authorised and regulated by the Financial Conduct Authority for general insurance and consumer credit purposes. We act as a credit broker sourcing credit to assist with your purchase from a carefully selected panel of lenders. Lenders will pay us a fee for these introductions (click here for details including our panel of lenders and disclosure statement). Offers subject to status, terms and conditions.