Vehicle Finance

Hire Purchase (HP)

A straightforward route to vehicle ownership with fixed monthly payments and no surprises.

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Soft-check eligibility only • no impact on your credit score

Our Lender Panel Includes

Shawbrook•Close Brothers•Lombard•Black Horse•Hitachi Capital•Northridge•JBR•& More

66+

Trusted Lenders

£100M+

Funded

Highly

Reviewed

Excellent on Google Reviews

Why Choose Hire Purchase

Simple. Transparent. Yours at the end.

Fixed Monthly Payments

Know exactly what you pay each month, with no surprises and no variable rate risk.

Full Ownership at End of Term

Once the final payment is made, the vehicle is legally yours.

No Mileage Restrictions

Drive as many miles as you like without incurring excess mileage penalties.

Suits Luxury & Performance Vehicles

Ideal for high-value vehicles where outright ownership is the goal.

Transparent Payment Structure

Simple, easy-to-understand agreement with no hidden costs.

Flexible Deposit Options

Tailor your deposit amount to control the monthly payment that suits your budget.

Our Finance Process

How It Works

A simple process designed around you

Apply & Consult

Share your vehicle details and ownership goals. We'll structure the most suitable HP agreement.

Credit Approval

We approach our lender panel to secure a competitive HP offer on your behalf.

Document Signing

Review and sign your agreement: straightforward documentation with no jargon.

Collect Your Keys

Funds released to the dealer or seller. Drive away and start building toward ownership.

Looking To Finance Something Else?

Explore our full range of vehicle, business, and property funding solutions.

Business Loans

Fast working capital solutions with flexible repayment structures.

Bridging Loans

Short-term secured finance for time-sensitive opportunities.

Asset Finance

Fund equipment and machinery without straining cashflow.

Testimonials

What Our Clients Say

Real stories from real clients

BCC

Trustpilot · Great Service from Start to Finish

“

Dan and Owura were incredibly helpful from start to finish. They guided me through the process of funding my Lamborghini Huracán Tecnica, making everything smooth and stress-free. Their professionalism and attention to detail made the experience enjoyable, and they were always available to answer my questions. I couldn’t be happier with the service.”

Opulent Pools

Trustpilot · Couldn’t recommend Crownstone enough

“

Both Dan and Owura are so helpful throughout the process, giving me loads of different options as well as advising what would work best for me. They’ve now financed 5 different cars for me and every single time they’ve gone above and beyond. 5 star guys.”

Debonair Cooling

Trustpilot · Owura and Dan are amazing

“

Owura and Dan are amazing - they’ve got me 2 vans and a GLE53. Great guys, customer service etc. Will be using them for a lifetime.”

Case Studies

Recent Work

McLaren 720S Finance

Complex income structure resolved with specialist lender.

Read Case Study

Fleet Expansion

£2.5M fleet finance arranged for growing logistics company.

Read Case Study

Frequently Asked Questions

With HP, you pay off the full vehicle value over the term, meaning you own it outright at the end. With PCP, you pay off the depreciation only and have a large balloon payment or return option at the end. HP typically has higher monthly payments but results in guaranteed ownership.

Not legally until the final payment is made. During the agreement, the lender retains legal ownership. However, you have full use of the vehicle throughout the term.

Yes. You can settle an HP agreement early, often at a discount under the Consumer Credit Act's voluntary termination rights. We can advise you on the most cost-effective approach.

Once you make the final monthly payment (and any option-to-purchase fee if applicable), full legal ownership of the vehicle transfers to you automatically.

Our Lender Panel