Car Finance


Take control of your car finance with Admiral

Hire Purchase Loan (HP)

Representative APR 5.9% fixed

Find out more

Personal Contract Purchase (PCP)

Representative APR 5.9% fixed

Find out more

Unsecured Personal Loan

Representative APR 5.9% fixed

Find out more

Keep your credit score safe.

Compare our loan options with a no-obligation quote and see if you're eligible - without affecting your credit score.

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Keep your credit score safe.

Compare our loan options with a no-obligation quote and see if you're eligible - without affecting your credit score.

Get a no-obligation credit safe quote

Three great ways to finance your next car. See which one is for you…

Admiral have a number of different options to help you get behind the wheel of a new car. Not sure if PCP, HP or an Unsecured Personal Loan is best for you? Take a look below.

Representative example

If you borrow £5,750 and pay a £250 deposit to the dealer for a car with a cash price of £6,000 over 36 months at a Representative APR of 5.9% (fixed) and an annual interest rate of 5.75%, you would pay £174.24 monthly with one final monthly payment of £175.24. The total amount payable including your deposit and a £1 option to purchase fee would be £6,523.64. The rate offered will depend on the amount you wish to borrow and your individual circumstances. You will not own the vehicle until all payments have been made.

Borrow £2,900 - £25,000 with a Hire Purchase Loan

Take control of your motoring budget.

Hire purchase loan

What is Hire Purchase (HP)?

HP finance offers you fixed monthly payments for a length of time of your choosing. This type of finance is secured on the car and we own it until you've repaid in full.

To apply for HP finance you will need to know the registration number and current mileage of the car you’re looking to buy.

You are the ‘registered keeper’ of the car and responsible for insuring and maintaining it, but Admiral would remain the legal owner until the HP agreement has been repaid in full.

Features of Admiral Hire Purchase

Fixed monthly payments

Admiral HP offers fixed monthly payments for a length of time of your choosing between 12 and 60 months.

Quick online process

Get a quote online in minutes and we’ll give you an instant decision on your application. To get a quote and apply for HP finance you'll need to know the registration number and current mileage of the car.

Hassle-free

We'll pay the dealer for you so all you have to do is pick up your car.

Good to know

Keep up with your payments

Failure to keep up with your payments may result in the vehicle being repossessed.

Handing your car back

Once you’ve paid at least half of the total amount payable you have the right to hand the car back and terminate the agreement (under a voluntary termination through the Consumer Credit Act 1974)

Representative example

Borrowing £5,750 over 36 months, on a car with a cash price of £6,000 and paying £250 to the dealer. At a Representative APR of 5.9% (fixed) and an annual interest rate of 5.75% you would pay £117.86 monthly with one optional balloon payment of £2328.69 which includes the £1 option to purchase fee. The total amount payable (including your deposit) would be £6,703.79. The rate offered will depend on the amount you wish to borrow and your individual circumstances. You will not own the vehicle until all payments have been made.The above example is based on a popular hatchback car with a 1.25 engine size. It assumes a contract mileage of 30,000 miles and an excess mileage charge of 9p per mile.

Borrow £4,900 - £25,000 with a Personal Contract Purchase Loan

This could be a great option for people who like to change their car regularly.

Personal Contract Purchase

What is Personal Contract Purchase (PCP)?

PCP is one option you could use to finance your new car. Similar to HP, PCP finance is secured on the vehicle which means that you're the "registered keeper" of the car and responsible for insuring and maintaining it, but Admiral would remain the legal owner until the loan has been repaid in full.

You usually pay an initial deposit to the dealer and then pay off the partial cost of the car finance through monthly payments over a fixed period of time. If you want to keep the car at the end of the term, you’ll have to pay one final large payment called a "balloon" - also known as the guaranteed future value (GFV). This also includes the option to purchase fee.

The GFV is worked out using the age of the vehicle, the current and anticipated mileage and an industry standard valuation. Once this has been paid, including any option to purchase fee, the car is yours to keep.

Or you can hand the car back. The mileage limit and condition requirements are agreed at the start of the contract and will apply if you choose this option.

Features of Admiral Personal Contract Purchase

Fixed monthly payments

Admiral PCP offers fixed monthly payments for a length of time of your choosing between 12 and 48 months including the final balloon payment.

Quick online process

Get a quote online in minutes and we’ll give you an instant decision on your application. To get a quote and apply for PCP finance you'll need to know the registration number and current mileage of the car.

Hassle-free

We'll pay the dealer for you so all you have to do is pick up your car.

Flexible options

At the end of the agreement hand the car back or pay off the "balloon" and keep it.

Lower monthly payments

Your monthly payments, excluding the final"balloon" payment, might be lower than other Car Finance options

Good to know

Keep up with your payments

Failure to keep up with your payments may result in the vehicle being repossessed.

Looking after your car

A refurbishment fee may be charged if you choose to hand the car back to us and it isn’t in good condition.

Avoid mileage charges

If you return the car and have exceeded the agreed mileage limit you will be required to pay an excess mileage charge. This charge can be viewed in your Terms and Conditions.

Handing your car back

Once you've paid at least half of the total amount payable you have the right to hand the car back and terminate the agreement (under a voluntary termination through the Consumer Credit Act 1974).

Representative example

If you borrow £5,750 and pay a £250 deposit for a car with a cash price of £6,000 over 36 months at a Representative APR of 5.9% (fixed) and an annual interest rate of 5.75%, you would pay £174.27 monthly. The total amount payable (including your deposit) would be £6,523.72. The rate offered will depend on the amount you wish to borrow and your individual circumstances.

Borrow £1,000 - £25,000 with an Unsecured Personal Loan

Get the money in your bank before you buy your car - no deposit required

Hire purchase loan

What is an Unsecured Car Loan?

An Unsecured Car Loan could be a great alternative to standard Car Finance deals. It offers a number of benefits that many of the secured finance deals may not. There’s no mileage limit, no deposit needed and you’ll own the car outright when you drive away from the dealer.

Features of an Admiral Unsecured Personal Loan

Fixed monthly payments

An Admiral Unsecured Personal Loan offers fixed monthly payments for a length of time of your choosing between 12 and 60 months.

Quick online process

Get a quote online in minutes and we’ll give you an instant decision on your application.

Good to know

Keep up with your payments

As the car is yours immediately you’re responsible for maintaining payment until the loan amount is paid off in full.

As a basis for qualification, you must be a permanent resident of England, Wales or Scotland, having lived in the UK for at least 3 years, be between the ages of 18 and 75, and with no recent history of bad credit such as County Court Judgements (CCJs), IVA or bankruptcy. The rate offered will depend on the amount you wish to borrow and your individual circumstances. You can apply for any amount between £1,000 and £25,000 for a period between 12 and 60 months.

APR stands for annual percentage rate. This is the total charge for the loan including fees and interest expressed as a percentage. The APR you are offered may differ from the representative example displayed, this is because each loan application is assessed on an individual basis. The maximum APR we offer is 29.9%.

Admiral Loans are administered and arranged by EUI Limited. EUI Limited is registered in England and Wales at Tŷ  Admiral, David Street, Cardiff, CF10 2EH (Reg. No. 02686904). EUI Limited is authorised and regulated by the Financial Conduct Authority (Firm reference number: 309378). These details can be confirmed by visiting the Financial Services Register, www.fca.org.uk/register.

EUI Limited is a registered data controller (No. Z5299783) under the Data Protection Act 1998. The data controller is EUI Limited. You acknowledge that by providing your personal data to us, you consent to its processing in the manners outlined in our Privacy Policy. Click here to read.

Please see our terms and conditions here.

When you submit an application for a loan, we will conduct an application credit search which may affect your credit score, so you may wish to keep applications to a minimum to protect your credit rating.

If you have any queries about the manner in which your data is processed, please write to: Data Protection Officer, EUI Limited, Tŷ Admiral, David Street, Cardiff CF10 2EH.