Car finance

Look at the types of car finance we offer

If you're looking to finance a new or used car, Halifax car finance could be right for you. We have a range of car finance products for you to select from. This includes an option to switch your car finance to us.

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    Hire Purchase (HP)

    A hire purchase agreement could be right for you, if you

    • want to own the car at the end of the agreement
    • want fixed monthly payments
    • prefer no mileage restrictions
    • want no early repayment charges or final lump sum
    • like to select a repayment term from 1 - 5 years.


    6.2% APR representative
    when you borrow between £7,000 and £25,000.

    Getting an online quote won't affect your credit score

    Read more about hire purchase

     

    Get a hire purchase quote
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    We now offer car leasing

    Get your hands on a brand new car with fixed monthly payments and hand it back at the end of the rental agreement.

    • Choose from thousands of brand-new cars from more than 30 manufacturers
    • 2-5 year terms available
    • No option to own the vehicle
    • You set the mileage limit
    • Checking your eligibility wont impact your credit score.

    Read more about car leasing

    Leasing is exclusively provided by Lex Autolease Limited trading as Halifax. Bank of Scotland plc act as a credit broker and not the lender. Halifax is a division of Bank of Scotland plc.

    Lex Autolease are one of the UKs biggest leasing companies. They have a fleet of over 270,000 vehicles, including more than 67,000 electric and alternatively-fuelled vehicles.

    Get a car leasing quote today
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    Refinance your car

    If you already have car finance with another provider, you could switch your car finance and save money.

    We offer two different car finance options - Personal Contract purchase (PCP) or Hire Purchase (HP).

    Here are some of the benefits of refinancing:

    • you could lower your monthly repayments
    • spread the cost of a final lump sum payment
    • the money is sent directly to the finance provider.
       

    6.2% APR representative when you borrow between £7,000 and £25,000. This is based on our Hire Purchase product.

    Getting an online quote won't affect your credit score.

    Read more about refinancing your car

    Sign in to get a quote
 

Personal Contract Purchase (PCP)

A personal contract purchase agreement could be right for you, if you:

  • want lower monthly payments when compared to hire purchase
  • plan to own the car by making a lump sum final payment or return it in good condition
  • want to select your yearly mileage limit, excess mileage charges may apply
  • like to select a repayment term from 1 - 4 years.


7.9% APR representative
when you borrow between £7,000 and £25,000.

Getting an online quote won't affect your credit score.

Read more about personal contract purchase

Get a PCP quote today

Important information: to apply, you must be age 18 or over, a UK resident, hold a current account with us (min 3 months) and registered for Online Banking. We can't refinance cars from existing Bank of Scotland, Halifax or Lloyds Bank car finance customers.

Lending is subject to status and additional affordability checks.
 

Compare your car finance options

Compare your car finance options

If you're not sure which type of car finance is right for you, why not use our handy comparison tool? Sign in to get started.

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How does Halifax Car Finance work?

Whether you're just browsing, or you've found the car you want. Here's what you can expect.

Select a type of car finance to suit your needs.

Tell us about the make and model of the car you'd like to finance.

Get an instant decision online with no credit searches.

Sign your documents online and pick up your car.

Use our handy calculator

Get an idea of what your monthly payments could be using our calculator.

Work out your repayments Car finance calculator

How can we help you today?

Here's some helpful information based on the most frequently asked questions our customers have.

Halifax Car Insurance

Get cover you can rely on with one of our insurance policies. And for added peace of mind you can choose from a range of optional extras.

Find out more and get an online quote

Get clued up on credit

Confused by credit? Understand more about how credit works, how to improve your score, and how it affects applying for car finance.

Credit explained