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Volkswagen Car Finance PCP & HP Car Finance
Car Finance Made Simple
Whether you're looking for PCP or HP car finance, we'll find the right deal for you. Competitive rates available for all credit types.
With no impact to your credit score*
Calculate Your Finance
Estimated monthly payments
With no impact to your credit score*
We act as a credit broker, not a lender
Representative example: borrowing £6,500 over 5 years with a representative APR of 16.9%, an annual interest rate of 16.9% (Fixed) and a deposit of £0.00, the amount payable would be £161.19 per month, with a total cost of credit of £3,171.55 and a total amount payable of £9,671.55. This is an example only, lender fees may apply. The exact rate you will be offered will depend on your circumstances. All finance subject to status.
*After completing the application, lenders will perform a “soft search” that will not affect your credit score. Should you get an offer of finance and wish to proceed, the lender will then perform a “hard search” of your credit file. Finance acceptance is not guaranteed, please click the following link for more information: Initial Disclosure Document
PCP vs HP: Which Is Right for You?
Choosing between PCP and HP can feel confusing, but we're here to make it simple. Both are great ways to finance a car, but they work differently and suit different needs.
PCP (Personal Contract Purchase)
PCP offers lower monthly payments because you're only paying for the depreciation of the car, not its full value. At the end of the agreement, you can pay a balloon payment to own the car, hand it back, or use any equity towards your next vehicle. PCP is ideal if you like changing your car regularly.
HP (Hire Purchase)
With HP, you pay off the full value of the car over the agreement term. Monthly payments are higher than PCP, but there's no balloon payment at the end — you own the car outright once all payments are made. HP is perfect if you want to keep your car long-term.
PCP vs HP at a Glance
| Feature | PCP | HP |
|---|---|---|
| Monthly Payments | Lower | Higher |
| Balloon Payment | Yes (optional) | No |
| Own the Car | If you pay balloon | Yes, automatically |
| Mileage Limits | Yes | No |
| Flexibility | High (3 options at end) | Straightforward |
How It Works
Getting car finance doesn't have to be complicated. Here's how our simple process works.
Apply Online
Complete our quick and easy application form in just a few minutes. It won't affect your credit score.
Get Matched
We'll search our panel of lenders to find the best deal for your circumstances.
Choose Your Car
Once approved, choose any car from any reputable dealer. Our Personal Shopper service can help.
Sign & Drive
Sign your finance agreement and drive away in your new car. It really is that simple!
With no impact to your credit score*
We act as a credit broker, not a lender
Representative example: borrowing £6,500 over 5 years with a representative APR of 16.9%, an annual interest rate of 16.9% (Fixed) and a deposit of £0.00, the amount payable would be £161.19 per month, with a total cost of credit of £3,171.55 and a total amount payable of £9,671.55. This is an example only, lender fees may apply. The exact rate you will be offered will depend on your circumstances. All finance subject to status.
*After completing the application, lenders will perform a “soft search” that will not affect your credit score. Should you get an offer of finance and wish to proceed, the lender will then perform a “hard search” of your credit file. Finance acceptance is not guaranteed, please click the following link for more information: Initial Disclosure Document
Why Choose Happy Motor Finance?
We're not just another car finance company. Here's what makes us different.
All Credit Considered
Whether you have excellent credit or a less-than-perfect history, we can help find finance that works for you.
Soft Search Only
Our initial check won't affect your credit score. Apply with confidence knowing there's no footprint left.
Choose Any Car
Once approved, pick any car from any reputable dealer in the UK. The choice is entirely yours.
Personal Shopper
Can't find the right car? Our Personal Shopper service will search the market for your perfect vehicle.
Quick Decisions
Get a decision fast. Many of our customers receive approval within hours of applying.
Expert Support
Our friendly team of finance experts are here to help every step of the way.
What Our Customers Say
"Amazing service from start to finish! I was worried about my credit score but Happy Motor Finance found me a great deal. I'm now driving my dream car!"
"Quick, easy and hassle-free. The team were incredibly helpful and kept me updated throughout the whole process. Highly recommend!"
"I had been turned down by other companies but Happy Motor Finance managed to get me approved. The monthly payments are affordable and the car is perfect."
"Fantastic experience! The whole process was straightforward and the team were very professional. I couldn't be happier with my new car."
"Great company to deal with. They found me the best rate and the car I wanted. Would definitely use them again and recommend to friends."
"From start to finish the process was seamless. Friendly staff who really care about finding the right deal for you. 5 stars!"
Frequently Asked Questions
Ready to Get Behind the Wheel?
Apply for car finance today. Our quick application takes just minutes and won't affect your credit score.
With no impact to your credit score*
We act as a credit broker, not a lender
Representative example: borrowing £6,500 over 5 years with a representative APR of 16.9%, an annual interest rate of 16.9% (Fixed) and a deposit of £0.00, the amount payable would be £161.19 per month, with a total cost of credit of £3,171.55 and a total amount payable of £9,671.55. This is an example only, lender fees may apply. The exact rate you will be offered will depend on your circumstances. All finance subject to status.
*After completing the application, lenders will perform a “soft search” that will not affect your credit score. Should you get an offer of finance and wish to proceed, the lender will then perform a “hard search” of your credit file. Finance acceptance is not guaranteed, please click the following link for more information: Initial Disclosure Document
