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Choose from Personal Contract Purchase (PCP), Hire Purchase (HP), Car Lease or Car Refinance (PCP or HP).
Other terms, borrowing amounts and rates are available
Get your hands on a brand new car with fixed monthly payments and hand it back at the end of the rental agreement.
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.
See if you can get a better deal or help pay a final lump sum by switching your car finance with another provider to us.
As well as the PCP, HP, Car lease and Refinance features, with Halifax Car Finance you also get these:
Car Finance is available on personal cars only. Most UK dealerships are covered. Finance isn’t available for commercial vehicles or purchases from private sellers.
You can get as many personalised quotes as you like, and apply once you’ve found the right car and confirmed the price with the dealer. If you’re settling other finance, please get the settlement figureWhat’s a settlement figure and how do I get one?This is the exact amount needed to end the agreement you have with your current finance provider. You’ll need to get in touch with your current finance provider and ask them to send this to you. from the lender beforehand.
Part-exchange isn’t available with our car finance, but you might be able to arrange this with the dealer you’re buying your car from. You could also sell your car privately and use the proceeds as a deposit for your new car.
Credit is subject to status and additional affordability checks.
With a loan, money is sent to your current account and you pay the dealer, seller or current finance provider yourself. You can choose the amount and term you want to borrow the money over. You’ll own the car as soon as you pay the dealer/seller.
With car finance, the money’s sent directly to the dealer, or the company you have your existing agreement with, rather than your current account. You can’t borrow more than you need for the car or finance settlement amount. You don’t own the car until you’ve finished repaying the finance.
Take greater control of your Halifax online car finance account in just 3 simple steps.