Car Finance
Find car finance that works for you
Explore personalised finance options through CarMoney in just 5–10 minutes, with a clear illustrative estimate before you apply and plain-English answers throughout.
Ask a finance questionFinance is subject to status. Terms and conditions apply.
Finance finder
Find the right finance option for you
A few quick questions — no credit check, no jargon, no obligation.
How much are you looking to spend on a car?
Our finance partner
Finance through CarMoney
Explore personalised finance options through CarMoney in just 5–10 minutes. They'll talk you through what's available in plain English — and you're never tied to anything until you sign.
- A quote takes around 5–10 minutes
- Over 100,000 customers helped
- Getting a quote does not affect your credit score
- CarMoney Limited is a credit broker, not a lender
Opens CarMoney's official quote process in a new tab. Finance is subject to status — a quote is not an approval.
How your finance application works
- 1
Tell CarMoney about you
A short online form — around two minutes. Getting a quote does not affect your credit score.
- 2
They search their lender panel
CarMoney Limited is a credit broker, not a lender. They look for finance options that suit your circumstances from the lenders they work with.
- 3
Review your quote
You see the rate and the monthly payment before you decide anything. Approval is never guaranteed — it always depends on the lender’s assessment.
- 4
Choose your car and sign
Happy with the quote? Pick your car from our stock, complete the agreement, then collect it or have it delivered.
Eligibility
Finance is subject to status. Eligibility depends on factors including your age, UK residency, income and credit history, plus the vehicle and the lender's criteria. Approval is never guaranteed — an estimate or quote is not an offer of finance.
A larger deposit lowers your monthly payment. The deposit can't exceed the cash price.
Only enter the amount you expect to put toward the car after any outstanding finance on your part exchange is settled.
Move the slider to explore different rates. The actual rate you're offered depends on the lender and your circumstances.
Choose a vehicle or enter a cash price to see an illustrative monthly payment.
Ways to spread the cost
Three common routes to car finance. We'll explain which could suit you — the choice always stays yours.
Hire Purchase
Spread the financed amount across fixed monthly repayments. Once all required payments have been made, you own the car. Because HP normally repays more of the vehicle price during the agreement than PCP, the monthly payment can be higher.
Learn about HPPersonal Contract Purchase
PCP can reduce the monthly payment by leaving an optional final payment at the end. You can choose to pay that amount to keep the vehicle or follow the options provided under your agreement. Mileage and condition requirements may apply if the vehicle is returned.
Learn about PCPPersonal Loan
A personal loan is separate borrowing used to buy the vehicle. You normally own the car from purchase and repay the lender over the agreed term. Eligibility and rates depend on the lender and your circumstances.
Learn about Personal LoansHP vs PCP, in plain English
Both spread the cost of a car over an agreed term. The main difference is what happens at the end.
Hire Purchase (HP)
Repay the full amount across the term — then the car is yours.
Personal Contract Purchase (PCP)
Lower monthly payments, then choose to keep, return or part exchange the car.
How finance works
Four straightforward steps — and no surprises along the way.
Find your car
Browse Alliance Enterprise UK stock and choose a vehicle that suits you.
Explore an estimate
Adjust your deposit and term to understand how monthly payments could look.
Continue securely
Continue through our approved finance route when you’re ready to explore your actual options.
Complete your purchase
If finance is approved and you choose to proceed, complete the agreement with the finance provider and arrange collection of your vehicle.
Could I be eligible?
Finance is subject to status. Eligibility can depend on factors including your age, UK residency, affordability, credit history, the chosen vehicle and the lender’s criteria. An estimate from our calculator is not an approval or guarantee of finance.
Finance questions, answered
Talk to a real person
Unsure about anything? Ask us before you apply — we’ll explain the options in plain English, with no pressure and no obligation.
Ask a finance question
Not a finance application — just a question.
Alliance Enterprise UK is an independent used-car dealership. Full finance information, including our regulatory status and disclosures, will appear here once confirmed and compliance-approved.
Finance is subject to status. Terms and conditions apply.
