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Car Finance

Affordable monthly payments with zero deposit finance options. We're here to make finance easy!

Rates from
6.9% APR

Car Finance Colchester

Unsure if you can get approved for finance?

Find out now using our online Finance Calculator:

Finance with Perry Road Autos

Car Finance Colchester

We understand buying a car can be an expensive business. If you've got the money to buy outright that's great, but if you don't quite have enough saved, or you're looking to finance in full - we can help. We offer a variety of flexible finance options to help you make the best, and most affordable, decision for you. Not only do we offer great deals in person, we've also made it easy for you to check your credit score and apply for finance directly online. Don't worry, even if you have a less than perfect credit score, we can tailor make a finance option that works for you.

Specialist car finance plans

We have access to some of the most competitive finance options on the market, offering low rates and flexible deposits. The two main finance plans available are hire purchase (HP) and personal contract purchase (PCP). If you're not sure which one is the best option for you, we can discuss in person, or chat over the phone. We're here to make financing your next car an easy and stress free process.

What is PCP car finance?

Personal Contract Purchase is a flexible choice that enables you to get the car you want within your budget PCP is a popular Finance choice due to the affordable monthly payments, low deposits and flexibility. Drivers can choose whether to buy the car or return it at the end of the contract. This enables you to get the car you want within budget, while spreading the cost. If at the end of the contract you decide to keep the car, there is an optional final payment (often called a balloon payment). Alternatively, you could exchange it for a new model and start a new contract, or simply return the car and walk away.

What is HP car finance?

Hire Purchase enables you to budget with confidence on fixed terms. Hire purchase is one of the simplest forms of car finance. This is ideal if you are looking for a finance agreement with the option to own the car at the end of the agreement. Hire Purchase offers favourable interest rates, and the cost of the car is split across a deposit and several monthly payments. Repayments are fixed throughout the agreement, allowing you to budget with confidence. Once you’ve fully paid these, you will own the car outright.

Contact us today or use our free online car Finance Calculator above and see how much you could borrow.