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FINANCE HP MADE SIMPLE

From £82
a month.

Hire Purchase (HP) finance on every car. Deposit, fixed monthly payments, then the car is yours. Soft search first - no impact on your credit file - so you know where you stand before you commit.

01 ESTIMATE

Run the numbers.

Drag the deposit, pick a term, see your indicative monthly. Once you've got a number you like, WhatsApp us — we'll run a proper soft search and come back with a real quote.

Indicative only. Speedwise Motors is a credit broker, not a lender. APR shown is indicative. Full quote on enquiry.

HP Estimator

Indicative

Term
Monthly £93
Total payable £5,000

Estimate only. Subject to status. Speedwise Motors is a credit broker, not a lender. APR shown is indicative — full quote on enquiry.

02 PROCESS

Four steps. Zero pressure.

01

Tell us your budget

Monthly limit and the deposit you can put down. Two lines on WhatsApp.

02

Soft search

Quick credit check — no impact on your file. You learn what you can afford.

03

Pick a car

We show you what fits the number. No upselling, no add-ons you don't need.

04

Drive away

Sign the paperwork, drive home. Most deals turn around in 24-48 hours.

03 FAQ

Common questions.

What is a soft search?
A soft credit search is a quick check that doesn't leave a mark on your credit file. Lenders use it to give an indicative decision before you formally apply. You can soft-search as many times as you like without affecting your score.
What documents do I need?
Driving licence (photocard + paper if you have it), proof of address from the last 3 months (utility bill or bank statement), and 3 months of bank statements showing income. That covers most lender requirements.
Can I get finance with bad credit?
Yes, often. We work with a panel of UK lenders including some who specialise in adverse credit. The soft search tells us who's likely to say yes - we won't put you through unnecessary hard searches if we can avoid it.
What is the APR?
Headline indicative APR is 12.9% but your actual rate depends on credit profile, term, deposit and car. Could be lower (sub-10%) for strong credit, higher (15-19%) for thinner files. Full quote always given before you commit.
Can I pay off early?
Yes. HP agreements have a statutory right to settle early. There may be an early settlement charge (typically 1-2 months interest) but no penalty. The figures are in your agreement before you sign.
Do I own the car?
During the HP term, the finance company owns it - you're the registered keeper. Once the final payment clears, ownership transfers to you. Different from PCP, where you only own it if you pay the balloon at the end.
04 GET A QUOTE

Ready for a real number?

WhatsApp your budget and deposit. We'll run a soft search and come back with what works.

WhatsApp for a quote Call us