Finance

A better way to buy a car

Our car finance solutions are tailored around you. Spread the cost of your next car purchase with SW Car Supermarket and SW Car Superstore finance.

Financing a car can be confusing, but don’t worry as our sales team are trained, finance advisers. We will be able to explain Hire Purchase and PCP car finance process to you in simple terms and layout all of the options available to you. In the meantime, please take a look below for some example car finance packages which may suit your budget and further info on what car finance packages are available.

Finance Any Amount

Representative APR loan examples:

£3,999only £95.98 per month15.90%Representative APR
£7,999only £191.99 per month15.90%Representative APR
£11,999only £238.16 per month12.90%Representative APR
£14,999only £305.40 per month12.90%Representative APR
£16,999only £359.63 per month9.90%Representative APR
£18,999only £331.55 per month9.90%Representative APR
£20,000only £345.79 per month6.90%Representative APR
£25,990only £513.69 per month6.90%Representative APR

What Next?

With over 1000 used cars in group stock, we are perfectly placed to help you find your next car. Unsure on where to start? Let us help you! Use the slider below to discover a fantastic range of cars that fit your budget.
Finance
Search by Monthly Budget£200

What is HP & PCP Used Car Finance

Buying a car is often a significant financial undertaking, so much so it is likely to be the second-largest expenditure in a lifetime after property. At SW Car Supermarket we fully appreciate this level of commitment, that’s why we work with a range of lenders to give you the best possible deals that are suitable for your financial needs.

We also believe that buying a car should be a fun and exciting experience, so whilst working hard to ensure competitive rates, we also work tirelessly to ensure that the finance process from start to finish is effortless.

Whatever your needs and requirements, at SW Car Supermarket and SW Car Superstore Peterborough we are perfectly placed to help you with used car finance.

So, you’ve seen your ideal car? No problem, with our HP or PCP finance plans, your next car could be more in reach than you think.

Let’s take a look at two finance plans that could be available to you.

  • HP Finance Explained
    HP finance, known as Hire Purchase, means that you will effectively hire your used car from a lender until the car has been paid for in full. One of the most common forms of used car finance, the loan is secured against the used car itself and you won’t own the car fully until your final payment has been paid. Choosing a HP finance agreement for purchasing your next used car, will give you the ability to: Spread out the cost over a repayment term to suit your budget Choose if you want to put down a deposit at the start of the term Allow you to own the vehicle outright at the end of...
  • PCP Finance Explained
    A highly popular form of used car finance, you’ve no doubt heard of PCP before. Short for Personal Contract Purchase, PCP’s are highly popular thanks to the level of flexibility they can afford a consumer over a traditional Hire Purchase agreement. When signing up to PCP finance plan you’ll most likely pay an initial deposit this is then subsequently followed by fixed monthly payments. However, you won’t automatically become the owner of the car when your finance term comes to an end. At this stage, you’ll most likely have three options: You can pay the outsta...
Finance Enquiry
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Still Unsure?

Watch Our Finance Explainer Videos
  • Learn more about Ballon HP/LPP
  • Why Dealer Finance
  • Why should I Apply?
Latest Reviews
  • I love my mini and thank you for all your help, I will recommend you to family and friends
    David Mckenna
    David Mckenna
    David Mckenna
    I love my mini and thank you for all your help, I will recommend you to family and friends
  • Many thanks David for the great service, I am happy with the deal I got.
    Luke Brockington
    Luke Brockington
    Luke Brockington
    Many thanks David for the great service, I am happy with the deal I got.
  • I was very pleased to pick up my BMW which David had sold me. The service received was excellent.
    Mr Howard
    Mr Howard
    Mr Howard
    I was very pleased to pick up my BMW which David had sold me. The service received was excellent.
  • Krisof our salesman was very helpul and patient with us. Our finance was arranged whilst we waitied and the car was like new at such good value. I have already started to recommend you to my family and friend
    Mr Makos
    Mr Makos
    Mr Makos
    Krisof our salesman was very helpul and patient with us. Our finance was arranged whilst we waitied and the car was like new at such good value. I have already started to recommend you to my family and friend
  • My partner found this car on the Auto Trader website and we travelled from Doncaster to find the vehicle as described and driving like new. The low mileage and the excellent warranty attracted me. The team at SW were friendly and my experience was hassle free and relaxed.
    Miss Zantea
    Miss Zantea
    Miss Zantea
    My partner found this car on the Auto Trader website and we travelled from Doncaster to find the vehicle as described and driving like new. The low mileage and the excellent warranty attracted me. The team at SW were friendly and my experience was hassle free and relaxed.
  • We were introduced to the business by a friend. There was massive choice for cars. After months of searching we finally found a gorgeous Mercedes Benz. The customer service was brilliant. No pushy sales which meant a relaxed and enjoyable experience. We will definitely come back for our next car and... Read More
    Mr & Mrs Ferreira
    Mr & Mrs Ferreira
    Mr & Mrs Ferreira
    We were introduced to the business by a friend. There was massive choice for cars. After months of searching we finally found a gorgeous Mercedes Benz. The customer service was brilliant. No pushy sales which meant a relaxed and enjoyable experience. We will definitely come back for our next car and also use you for servicing our other cars.
  • The part exchange process was made easy and my car presented to me in immaculate condition. Very happy indeed.
    Mr Valentine
    Mr Valentine
    Mr Valentine
    The part exchange process was made easy and my car presented to me in immaculate condition. Very happy indeed.
  • My family and I loved the choice here and they did us a fantastic deal. The service was brilliant and very relaxed. Happy to recommend to others now.
    Mr Smith
    Mr Smith
    Mr Smith
    My family and I loved the choice here and they did us a fantastic deal. The service was brilliant and very relaxed. Happy to recommend to others now.
  • David was very good and took time to make everything perfect for me. They have a great choice of cars with main dealer customer service.
    Neil Budden
    Neil Budden
    Neil Budden
    David was very good and took time to make everything perfect for me. They have a great choice of cars with main dealer customer service.
  • This is our 5th car from SW Car Supermarket. We are a loyal customer for life now.
    Mr & Mrs Ochmann
    Mr & Mrs Ochmann
    Mr & Mrs Ochmann
    This is our 5th car from SW Car Supermarket. We are a loyal customer for life now.
SW Car Supermarket works in partnership with the industry leaders
  • Santander
  • Evolution Funding
  • MotoNovo Finance
  • Blue Motor Finance
  • Oodle Car Finance
  • Finance
  • Finance 2
  • Finance 3
  • Finance 4
Cash Price £4,999.00, Deposit £1,000.00, Total Amount of Credit £3,999.00, Interest £1,759.80, Total Amount Payable £6,759.80, 59 Monthly Payments £95.98, Representative APR 15.9%, Interest Rate (fixed) 8.66%.£95.98 per month15.90% Representative APR
Cash Price £8,999.00, Deposit £1,000.00, Total Amount of Credit £7,999.00, Interest £3,520.40, Total Amount Payable £12,520.40, 59 Monthly Payments £191.99, Representative APR 15.9%, Interest Rate (fixed) 8.66%.£191.99 per month15.90% Representative APR
Cash Price £12,999.00, Deposit £1,000.00, Total Amount of Credit £11,999.00, Interest £4,335.48, Total Amount Payable £17,335.48, 47 Monthly Payments £238.16, Representative APR 12.9%, Interest Rate (fixed) 6.34%.£238.16 per month12.90% Representative APR
Cash Price £15,999.00, Deposit £1,000.00, Total Amount of Credit £14,999.00, Interest £5,311.07, Total Amount Payable £21,311.07, 47 Monthly Payments £305.40, Representative APR 12.9%, Interest Rate (fixed) 6.36%.£305.40 per month12.90% Representative APR
Cash Price £16,999.00, Deposit £0, Total Amount of Credit £16,999.00, Interest £4,578.80, Total Amount Payable £21,578.80, 59 Monthly Payments £359.63, Representative APR 9.9%, Interest Rate (fixed) 5.3%.£359.63 per month9.90% Representative APR
Cash Price £18,999.00, Deposit £0, Total Amount of Credit £18,999.00, Interest £5,436.65, Total Amount Payable £24,436.65, 47 Monthly Payments £331.55, Representative APR 9.9%, Interest Rate (fixed) 4.88%.£331.55 per month9.90% Representative APR
Cash Price £20,000.00, Deposit £0, Total Amount of Credit £20,000.00, Interest £3,783.82, Total Amount Payable £23,784.82, 47 Monthly Payments £345.79, Representative APR 6.9%, Interest Rate (fixed) 3.44%.£345.79 per month6.90% Representative APR
Cash Price £25,990.00, Deposit £0, Total Amount of Credit £25,990.00, Interest £4,831.40, Total Amount Payable £30,822.40, 59 Monthly Payments £513.69, Representative APR 6.9%, Interest Rate (fixed) 3.66%.£513.69 per month6.90% Representative APR
Transport For London

Cars need to meet minimum emission standards when travelling in the Ultra Low Emission Zone (ULEZ) or the daily charge must be paid.

Minimum emission standards

Petrol: Euro 4
Diesel: Euro 6

The ULEZ will be enforced based on the declared emissions of the vehicle rather than the age. However:

Information from Transport For London

Check this car on the TFL website before purchasing: https://tfl.gov.uk/modes/driving/ultra-low-emission-zone/vrm-checker-ulez

SW Car Supermarket

To save timely negotiation all our cars are heavily discounted upfront and offered nearer cost price, saving customers up to £2000 when compared to our competition. This ensures we are treating every customer the same. This fee is a compulsory fee and applies to all customers.

Variable admin fee is charged as listed below:

  1. Retail customers pay £149.
  2. Repeat customers purchasing a 2nd car within 12 months of the original invoice date £0.
  3. Retail customers arranging finance using brokers outside of our immediate panel of lenders £399.
  4. Trade customers making a purchase as the motor trade £499.
  5. Export customers including Northern Ireland and the Republic of Ireland £499.
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