Used Car Retailer of the Year 2023

020 8969 5511
Open Today: 10am - 10pm

Hire Purchase Car Finance

Same Day Hire Purchase Available with Cargiant

Our mission has always been to make buying a used car easy and hassle free
Car Finance That Keeps You in Control

With our Hire Purchase & PCP options, you can spread the cost of your car in a way that suits you. We offer flexible terms ranging from 36 to 60 months on hire purchase agreements and 36 to 48 months on PCP agreements. Plus, your standard monthly payment will never change.

Because we act as a broker not a lender, we have partnered with some of the UK’s leading finance partners such as Black Horse and MotoNovo so you can be confident that you are in safe hands.

And because the loan is secured on the vehicle, your other credit needs are left undisturbed. It’s all about keeping you in control.

No Obligation Car Finance

We understand that taking out finance can sometimes feel complicated and daunting. Our simple online application makes the application process straightforward and our multi-award winning Finance Advisors will support you through the process from start to finish.

We have relationships with many different lenders so can offer a range of finance options for all circumstances. These include flexible deposit options and depending on your personal circumstances these could start from as little as 0% deposit.

In order for you to really understand your budget before you begin looking you can also apply for finance before you have chosen your car. This way you know exactly what your budget is, before you start looking.

Cargiant Car Finance Explained

Complete our Simple Online Application

Arrange your finance before you’ve even found your car. Our online application makes the process of applying straightforward. And, if you have already found your perfect car, simply tell us about the car and based on your personal circumstances let us do the rest.

Find your Perfect Car

Browse our website to find your perfect car. We’ve up to 8,000 cars in stock so search today and book a test drive online. Then visit Cargiant where our finance advisors are on hand 7 days a week, or call us direct prior to your visit to put your mind at rest.

Confirm and Drive Away Happy

Once you’ve found your perfect car and your finance has been agreed then all there is left to do is drive away in your perfect car. Pending your personal circumstances and the car of your choice we may be able do this for you all in one day.

Join Thousands of Happy Cargiant Customers

We’ve received 1000s of 5* independent reviews over 40 years of heritage. Our customers rate us 5* across Trust Pilot an Independent Review site and happily recommend us to their family and friends.

Start Online Application

Hire Purchase Car Finance FAQ's

1. How do I find out more about Car Finance?

Read our Car Finance section online. If you still have unanswered questions and don't feel ready to apply, then call us on *020 8964 7509* to speak to one of our Finance Advisors directly. Alternatively, come to Cargiant and speak to our Finance Advisors face to face. We're open 7 days a week until late every day.

2. What is Hire Purchase?
Car Hire Purchase is a form of car finance. With our hire purchase options you can spread the cost of your car in a way that suits you. We offer flexible terms ranging from 36 to 60 months. Whichever you choose, your standard monthly payment will never change. And because the loan is secured on a vehicle, your other credit needs are left undisturbed.
3. How much should I budget for my car?
Most financial advisors recommend that you don't spend more than 10 to 15% of your gross salary on your car repayment. But this depends on your other monthly outgoings such as your rent mortgage or bills.
4. How much deposit do I need for finance with Cargiant?
This depends entirely on the Finance Provider, but there are occasions where Finance can be arranged without a deposit. Our Finance Advisor will provide you with a full quotation and advise you on the various finance packages available. As soon as you finance has been approved.
5. What is Cargiant's APR?
The rate depends on various factors. These include the amount borrowed, term, total, charge for credit, doc fee, age of vehicle and also which of the finance companies we deal with who accept your application for credit. Our APRs are typically very competitive against other car dealers, saving you time and trouble.
6. What if I have a poor credit history?

A less than perfect credit history shouldn't stand between you and the car you need. That's why we work closely with customers with low credit scores. We always do our best to find solutions that suit everyone.

Car Giant Limited is registered in England and Wales with company number: 01407612. Registered office: 44 Hythe Road, London NW10 6RS.

Cargiant acts as a credit intermediary and only offers credit products from a number of carefully selected lenders including Blackhorse, Motonovo, BNP Paribas and Northridge who will pay us for introducing you to them.

Cargiant is authorised and regulated by the Financial Conduct Authority. Our FCA registered number is 307782.

Finance is available subject to status, to UK residents aged 18 years and over. Indemnities will be required. Conditions will apply depending on credit score status.

How To Find us

Where we are and when we're open

Our Address

44-45 Hythe Road

White City


NW10 6RS

1 mile from Westfield London

Opening Hours
Open until 10pm weekdays
Monday to Friday 10am - 10pm
Saturday 9am - 7pm
Sunday 10am - 7pm *
Bank Holidays 10am - 7pm
* cars can only be collected between 12pm-5pm