Bespoke Car Buyer
Car Finance
Flexible finance plans through our trusted partners CarMoney and Cazoo.
Our finance partners
Funding your next car
Finance made straightforward
Our finance partners are CarMoney and Cazoo. Between them, they work with a wide panel of trusted UK lenders to offer competitive Hire Purchase and PCP finance on every car we sell. Whether you're after low monthly payments with PCP or want to own the car outright with Hire Purchase, we'll talk you through the options and find the plan that fits your needs.
Competitive rates
Through CarMoney and Cazoo we access a panel of UK lenders to find the most competitive APR for your circumstances.
Quick decisions
Most finance applications receive a decision within minutes, with no impact on your credit score for a quote.
All circumstances considered
Whether you're a first-time buyer or have a complex credit history, we'll do our best to find a solution.
Soft search, no impact
Eligibility checks with our partners use a soft search, so getting a quote won't affect your credit score.
Finance options
Pick the plan that suits you
Hire Purchase (HP)
Fixed monthly payments over an agreed term. Once the final payment is made, the car is yours. Simple, predictable and easy to budget for.
- Fixed monthly payments
- Own the car at the end
- Terms from 24 to 60 months
- Deposits from 10%
Personal Contract Purchase (PCP)
Lower monthly payments with an optional final balloon payment. At the end of the term, choose to own, return or part exchange the car.
- Lower monthly cost
- Flexibility at the end of term
- Mileage tailored to you
- Great for changing cars regularly
Bespoke Car Buyer is a credit broker, not a lender, and works with CarMoney and Cazoo. Finance subject to status. Terms and conditions apply. Applicants must be 18 or over and UK residents. Guarantees and indemnities may be required.
Finance calculator
Estimate your monthly payment
Adjust the figures below to see an indicative monthly payment. Figures are for guidance only — the actual APR you're offered through CarMoney or Cazoo depends on your circumstances.
Estimated monthly
£362
over 48 months (HP)
- Amount of credit
- £13,500
- Total interest
- £3,852
- Total amount payable
- £18,852
This calculator is for illustration only and does not constitute a finance offer. Quotes are provided by our partners CarMoney and Cazoo, subject to status and affordability checks.