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⌖ Birmingham, West Midlands
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Find your car
CAR FINANCE AT B8

Your next car.
Let’s talk finance.

Explore your options, understand the costs and take the next step with confidence.

START WITH WHAT MATTERS

A decision built around you.

▣

Your budget

Consider your deposit, regular payments and everyday running costs.

□

Your plans

Think about how long you want to keep the car and how you use it.

?

Your questions

Understand the agreement and its full cost before deciding.

HP and PCP, explained.

Two common ways to finance a car. Ask which options are available for your chosen car.

Hire Purchase

Working towards ownership.

Make agreed monthly payments. Ownership transfers after all required payments and any purchase fee are paid.

▣ Agreed repayment term
🚗 Ownership at the end
□ Check the full amount payable
Ask about HP →
Personal Contract Purchase

Options at the end.

Make monthly payments, then choose whether to pay the optional final payment to own the car or return it.

◉ Optional final payment to own
◌ Agreed mileage allowance
□ Return conditions and charges may apply
Ask about PCP →
SEE THE WHOLE PICTURE

Clarity beyond
the monthly payment.

Compare the full agreement before you commit.

◎ Deposit and regular payments
% APR, interest and fees
□ Total amount payable
🚗 Any final payment and return conditions

Include insurance, fuel and maintenance in your budget.

FROM ENQUIRY TO DRIVING AWAY

From first question to next step.

01

Tell us what you need

Share the car and budget you have in mind.

02

Discuss the options

Ask what may be available for your chosen vehicle.

03

Review the details

Understand the costs, terms and lender checks.

04

Decide when you're ready

Proceed only if the agreement is right for you.

LET'S START A CONVERSATION

Tell us what
you have in mind.

Chosen a car or still exploring? Share a few details and ask us about the next step.

This is an initial enquiry, not a credit application.
QUESTIONS & ANSWERS

A little clarity
before you apply.

Here are some common questions about car finance.

Can I enquire before choosing a car?

Yes. You can contact our team before choosing a specific vehicle. We can discuss your requirements, budget and the type of car you are looking for.

Will a finance application affect my credit record?

Finance providers may carry out credit checks as part of the application process. Our team can explain the steps involved before you proceed.

Can I use my current car as a part exchange?

Yes. You can discuss part exchange options with our team. We can help you understand how your current vehicle may contribute towards your next car.

What should I compare before signing?

Before agreeing to finance, review the deposit, monthly payments, agreement length, total amount payable and any final payment or conditions.

Find the car. Explore the possibilities.

Browse B8 cars and talk through your next step.