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Finance Information Exploring Finance options online can be daunting but we’re here to help you find the right arrangement for you, be it HP, PCP or an alternative.
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Unlock your finance options – and choose your next car

Navigating car financing online can be daunting. Don’t worry, we’re here to help you find a finance deal that’s ideal for you.

Financing your car online

With Marriott Motor Group, financing a car online couldn’t be easier.

  1. Browse our extensive new and used car stock to find your ideal vehicle.
  2. With our handy finance calculator (located on the right-hand side of each vehicle detail page), you’ll quickly be able to establish your ideal financing solution. Don’t forget to factor in part-exchange (if you wish to sell your current car), any extras and your preferred collection/delivery method.
  3. Found a deal that suits your budget? Great, now it’s time to apply for online finance.
  4. Be sure to fully understand the terms of your agreement. For instance, an online application will likely result in a hard credit check. If you have questions about any part of the financing process please, don’t hesitate to contact us.
  5. Once you’ve submitted your online application, sit back and relax! We’ll soon be in touch to confirm details of your agreement.

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What is Personal Contract Purchase (PCP)?

With a PCP contract, you put down a deposit, followed by fixed, affordable monthly payments over an agreed length of time. Before the agreement is due to end, you have the option to pay a final, ‘balloon’ payment, otherwise known as guaranteed minimum future value (GMFV). This figure is calculated at the start of the agreement and is an estimation of the vehicle’s value come the end of the agreement.

If you decide to pay the balloon instalment, the car is yours to keep. If you choose not to make the final payment, you simply hand the car back and walk away with nothing more to pay. Or, you can choose to begin a new PCP agreement which will allow you to select a brand new car. 

Personal Contract Purchase FAQs​

What is Personal Contract Purchase (PCP)?
A Personal Contract Purchase is usually broken up into 3 sections. The first is a deposit. This is then followed by a series of fixed monthly instalments before you have the option to make a final payment (sometimes called a balloon payment) at the end in order to keep the vehicle. Consumers have the choice of returning the car, paying the final payment (which is dependent on resale value) or putting that resale value towards a new vehicle.

Will I be approved for Finance?

To check if you’re eligible for PCP financing, we’ll run a soft credit search, which won’t affect your future credit applications. ​

Can I get car finance even if I have bad credit?

It’s generally easier to get a PCP (or Hire Purchase) agreement if you have poor credit than it is to lease a car. This is because, with PCP, you’re financing a part of the vehicle’s total cost.​

What is APR?

Annual Percentage Rate (APR) refers to the total cost of borrowing for a year, which means it includes standard fees and interest.


What is the difference between a soft credit search and a hard credit search?

  • A soft credit check won’t affect your credit rating. We use this to establish your eligibility for finance.
  • A hard credit check is initiated when you apply for financing. It may affect your credit score.

What is Hire Purchase (HP)?

HP is popular with motorists who know from the start that they wish to own a car outright. It’s similar to PCP in that you’re required to pay a deposit and make fixed monthly instalments. However, there is no final balloon payment. This is because, with HP, each instalment pays off the overall price of the car (plus fees and interest). When you make the final instalment, the car is yours for good. 

Hire Purchase FAQs​

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What is Hire Purchase (HP)?
Hire Purchase is a plan where you usually pay a deposit, and then pay off the total vehicle value in monthly instalments. Once you have made your last payment, the vehicle is yours.

Will I be approved for Finance?

To check that you’re eligible, we’ll run a soft credit search. This won’t affect your credit score.​

Can I get car finance even if I have bad credit?

You’re more likely to get car finance with HP than PCP if you have bad credit. This is because, with HP, the value of the loan is secured against the vehicle. It also means that if you miss payments, the lender could repossess the vehicle to settle your debt.​​

What is APR?

APR stands for Annual Percentage Rate and it includes the total cost of borrowing over a 12-month period, including fees and interest.​

What is the difference between a soft credit search and a hard credit search?

  • Soft credit search – this is made to check your eligibility for financing; it doesn’t affect your credit rating.
  • Hard credit search – if you apply for car financing, we’ll need to initiate a hard credit check, which could affect your credit score.

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View our new and used vehicles

Ready to find your next car? Browse our new car stock and more than 600 high-quality used vehicles – available to view online at Marriott Motor Group right now.

Explore Our Stock

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