Used Car Finance near Woking, Surrey

Whatever your budget we can help make owning your new car affordable

We are experts in offering car finance to customers across the UK. If you have had trouble getting a used car elsewhere then give us a call to see if we can help, we have flexible finance deals to suit all budgets.

We work very closely with the following finance providers to offer you a range of used car finance benefits:

Hire Purchase

Hire purchase is a simple, straightforward way to spread the cost of buying a new car. It's fixed rate finance - with a fixed monthly payment.

The deposit you pay is flexible - typically between 0-50% of the vehicle cost. The remaining balance, plus fixed interest, is repaid in equal instalments over an agreed period (12-60 months).

Why consider Hire Purchase?

  • Low deposit - keeps valuable personal or business cash available
  • Control - you decide the deposit, you decide the term
  • Fixed monthly payment - perfect for budgeting
  • Flexibility - doesn't compromise your other lines of credit
  • Assets - you gain vehicle ownership
  • Tax benefits - Tax allowances for business users
  • VAT free - no VAT on payments

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Personal Contract Purchase (PCP)

Personal Contract Purchase is highly attractive and increasingly popular. It combines low, fixed monthly payments with exceptional flexibility at the end of the agreement.

Your car's guaranteed future value is calculated (based on agreed mileage and age) and becomes deferred as a final payment (balloon).

PCP is ideal if you're opting out of a company car scheme. You use your company car allowance to fund your PCP monthly payments without paying company car tax.

Crucially, you don't commit to buying the car at the outset. Instead, you use it for 24-48 months, deciding at the end of the agreement what you want to do. Either:

  • Buy the car by paying an agreed minimum residual value
  • Part-exchange the vehicle for another
  • Sell the vehicle privately (settling the balloon)
  • Or, subject to mileage and condition, return the car with nothing more to pay (e.g. if depreciation resulted in negative equity)

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Lease Purchase

Hire purchase with a balloon offers lower monthly payments than normal hire purchase. Instead, at the end of the agreement, you can make a final lump sum payment (or 'balloon') to own your car.

It's fixed rate finance - but with a lower fixed monthly outlay since you defer repayment of some of the borrowing. At the end of the agreement options include car purchase, refinance, part exchange or resale.

The deposit you pay is flexible - typically between 0-50% of the vehicle cost. The deferred balloon element is calculated on the estimated future resale value of the car.

The difference, plus fixed interest, is repaid in equal instalments over an agreed period (maximum period of 48 months), plus a final balloon payment.

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Hire Purchase with Balloon Payment

  • Low deposit - keeps valuable personal or business cash available
  • Lower fixed monthly payments - perfect for budgeting
  • A better car - lower payments can help you choose a higher specification car
  • Flexibility - does not compromise your other lines of credit
  • Assets - you gain vehicle ownership
  • Tax benefits - Tax allowances for business users
  • VAT free - no VAT on payment

If you or your business normally buys its cars with cash, a bank loan, or through a traditional Hire Purchase scheme, then you may find Business Contract Hire a far more cost-effective option.

Not only does Contract Hire allow you to run a new vehicle for an inclusive monthly rental, but it also releases valuable capital from your current vehicle or your next potential purchase. Contract Hire means you can afford an even better vehicle than you initially thought.

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Contract Hire

Contract Hire can offer a package to include routine servicing and maintenance costs for a small increase in the monthly rentals. All scheduled maintenance work will be carried out by the main dealer network and at a local dealer of your choice. Maintenance packages include replacement tyres (excluding punctures), batteries, exhausts and all parts that are subject to fair wear and tear**.

At the end of your agreement we will arrange to collect your vehicle free of charge from your office address. Not only does this avoiding time-consuming disposal issues and any worries over depreciation of the vehicle* but allows you to make the best use of your valuable time. Annual Road Fund Licence is included in the monthly rental for the duration of the contract.

Key Benefits of Business & Personal Contract Hire

  • A low initial outlay from just 1 month's payment
  • Flexible terms from 24 to 48 months
  • Road Fund Licence included in the monthly rental
  • A choice of rental period
  • No depreciation risks
  • Optional monthly maintenance packages**
  • The ability to forward plan
  • The lowest fixed monthly rentals
  • A simple 'hand back' process at contract maturity**
  • Removes time consuming disposal issues*
  • Makes more capital available to you
  • Complete peace of mind
  • Personal Contract Hire offers corporate pricing for private individuals
  • Business Contract Hire offers the ability to show the vehicle off your balance sheet
  • Business Contract Hire allows a proportion of the rentals allowable against tax***
  • Business Contract Hire offers allows VAT to be reclaimable on the rentals***

* Excess mileage and vehicle damage charges other than fair wear and tear may be payable.
** Subject to terms and conditions of the agreement.
*** VAT registered businesses*, VAT is reclaimable on the rentals, based on 50% of the VAT on the capital element (assuming an element of private use) and 100% of the VAT for any maintenance charges.

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Our Finance Partners


We are Santander Consumer (UK) Plc and we trade as Santander Consumer Finance. We are part of the Spanish Banco Santander Group and we provide a range of products designed for purchase of personal and business vehicles. Our finance and related products are distributed via a network of dealers and intermediary introducers, and also through partnerships with selected car and motorcycle manufacturers. We are one of the UK’s leading independent finance companies with over half a million live customer agreements. 


Thousands of customers choose MotoNovo Finance every week to buy their next car, van or motorbike. We offer a range of relevant products and services quickly, efficiently and competitively and have been doing so for over 40 years.

Supported by a multi-national bank, FirstRand, we are a secure and highly respected organisation that has been recognised as a leader in the field for some time. To help you save more pennies along the way, every customer of ours receives exclusive membership to MyMotoNovo, meaning access to a range of discounts at supermarkets, high street stores, eating out, holidays and more.

To learn more about the MotoNovo Finance story please feel free to browse the sections of this website. You'll find all the information you need right here, so whether you want to search for your next car, van or motorcycle, see how much you can save through the MyMotoNovo Discount Shopping service or see which of our thousands of supportive dealers is nearest to you - it's all on this website.

Blue Motor Finance

ABOUT BLUE – We are a direct lender and are open for business 7 days a week. We use advanced technology that allows us to accept all types of business across the whole risk spectrum. Our automated rate for risk product gives our dealers the flexibility needed to offer the most competitive finance package to every customer delivering prime style service for all customers.

First Response

Worried about your credit rating? Our ‘bad credit’ finance experts have provided car finance to over 130,000 people who, just like you, have struggled getting approved elsewhere.

Over the past 16 years we have spent a lot of time developing our systems, our relationships with dealers, and our customer service in order to make purchasing your vehicle as smooth as possible. We pride ourselves on delivering great customer service and are rated as the top car finance company on Review Centre, you can read some of our reviews on our website.