SERVICE UPDATE [03/04/2020]

Thank you for your support and patience while we take measures to protect our staff, due to Coronavirus safety measures.

We are open for business and here for you. Our call waiting times are currently much longer than usual (approximately 30 mins) so you may prefer to call us only if urgent. We are continuing to prioritise calls for new claims, for example, if you’ve been involved in an incident and your car’s undrivable, or your home’s uninhabitable.

For your other options, please see our homepage.


Hire Purchase

Spread the cost of your new car with Hire Purchase Representative 7.9% APR

Got a question? Read the FAQs

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 7.9% and an annual interest rate of 7.63% (fixed), 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.

How does Hire Purchase work?

Buying a car with Admiral Hire Purchase is easier than you think.

Get your dream car and choose terms that work for you

Spread the cost of your car with 12-60 monthly fixed payments.

Remember – Hire Purchase doesn’t charge you for any excess mileage.

No hassle - We’ll talk to the dealership for you

Once the finance has been agreed, provide us with the details of the car dealership – we’ll sort out the rest and make the payment directly to the dealer.

Get behind the wheel of your new car

That’s it! Drive away in your dream car. Once you’ve made your final payment which includes the option to purchase fee you'll own the car outright.

Good to know

Remember, with Hire Purchase, you do not own the vehicle until all contractual repayments have been made. Failure to maintain payments could result in the vehicle being repossessed.

Get started with Admiral Car Finance

Get started Phone us

Hire Purchase is split into three steps

What is Hire Purchase?

Hire Purchase (HP) is a way to pay for a vehicle without paying the full amount at the outset. You're essentially hiring the car over the period of the contract, with the option to buy it at the end.

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

“Extremely helpful and positive staff that were surprisingly engaging to help me every step of the way. Rare to see customer service this good! ”



“No drama, very easy process and money transferred same day”



“Got a much better rate than the dealership could offer plus it was paid directly to the dealer which made the purchase seamless ”



Very very very easy

Lee, Blackpool

Mar 2020

Helpful, friendly, non-pushy sales people with a simple non-invasive application process.

Julie, Malvern

Mar 2020

Easy to apply paid the dealer on time. Very helpful customer service team.

Once applied it took over a day to get a decision. I thought it was instant.

Daniel, Essex

Mar 2020

Your questions answered

What is the maximum length term for Hire Purchase?

The maximum term length we currently offer for a hire purchase agreement is 60 months.

Is there excess mileage charges with a Hire Purchase agreement?

Unlike PCP, with hire purchase there are no excess mileage charges.

Who is the registered keeper of the car with Hire Purchase?

During the term of the agreement, you would be the 'registered keeper' of the car and be responsible for insuring and maintaining it, but Admiral would remain the legal owner until the agreement has been repaid in full.

Where can I buy my car?

We work with the majority of UK dealerships that are authorised and registered by the Financial Conduct Authority

Everything you need for HP

You'll need to fill in the below first so we can check your eligibility:

Your name and date of birth

3 years of address history

Your loan amount

Your contact details, income, outgoings and employment history

The date you want your monthly payments to leave your bank account

To complete your application you'll need:

The details of the car you're buying

Your bank details

The car dealer’s address and bank details

Other Car Finance options

Take a look at the other ways Admiral could help you buy your next car

Helpful Guides

Everything you need to know about car finance

Everything you need to know about car finance

Read more
The complete guide to PCP

The complete guide to PCP

Read more
Everything you need to know about APR

Everything you need to know about APR

Read more

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 £35,000 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 One, Admiral Loans and Admiral Car finance are all trading names of Admiral Financial Services Limited (AFSL). Admiral Financial Services Limited (AFSL) is registered in England and Wales at Tŷ  Admiral, David Street, Cardiff, CF10 2EH (Reg. No. 10255225). Admiral Financial Services Limited (AFSL) is authorised and regulated by the Financial Conduct Authority (Firm reference number: 771862). These details can be confirmed by visiting the Financial Services Register,

Admiral Financial Services Limited (AFSL) is a registered data controller (No. ZA257412). The data controller is Admiral Financial Services 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.

AFSL are a member of the Finance and Leasing Association(FLA) who are an industry leader in promoting best practice within the motor finance, consumer and asset businesses in the UK. As a member we are subscribed to their Lending Code. Click here to download a copy of their Lending Code.

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, Admiral Financial Services Limited, Tŷ Admiral, David Street, Cardiff CF10 2EH.

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Admiral Car Finance is rated 9.6 out of 10 based on 610 reviews from the last 12 months

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