Car Finance at North Wales Cars, Mochdre

When it comes to purchasing a used car at North Wales Car Sales, we understand that finding the right car finance package to match your budget is just as vital as choosing the car itself. That's why we're dedicated to providing competitive and transparent car finance solutions that suit your unique needs.

Car Finance at North Wales Cars

At North Wales Cars, we know that finding the right way to pay for your car is just as important as choosing the right vehicle. That’s why we offer flexible car finance options designed to make your purchase simple, affordable, and tailored to your circumstances.

We act as a credit broker, not a lender, which means we work with trusted finance providers to arrange the best package for you. All applications are subject to status and income, and applicants must be over 18 years old. Written quotations are available on request.

Choose Between Hire Purchase or Personal Contract Purchase

We offer the choice between two finance agreements: Hire Purchase (HP) and Personal Contract Purchase (PCP), both available with no deposit. The decision between these options depends on your specific circumstances. Here's a breakdown for your clarity:

Hire Purchase (HP)

Hire Purchase is one of the most straightforward ways to finance a car. Once you’ve chosen your vehicle, the cost is spread evenly over an agreed number of months. At the start, you can choose to put down a deposit if you wish, though we also offer zero-deposit options.

Your monthly payments remain fixed for the length of your agreement, making it easy to budget. When you reach the end of the term and make your final payment, the car is legally yours. There are no balloon payments or surprises at the end — just clear, simple ownership.

Personal Contract Purchase (PCP)

Personal Contract Purchase is designed to give you more flexibility. Much like HP, the cost of the car is spread across monthly payments, but these are usually lower because a large portion of the vehicle’s value is set aside as a final optional payment, often called a “balloon.”

At the end of the agreement, you have three choices:

• Pay the balloon payment and keep the car.

• Hand the car back with nothing more to pay (subject to mileage and condition).

• Part-exchange it for another vehicle, often using any equity towards your next deposit.

PCP can be especially useful if you like the idea of changing your car every few years without the commitment of full ownership from the outset.

Why Choose Car Finance with Us?

By arranging car finance through North Wales Cars, you’ll have peace of mind knowing the process is handled locally, with clear explanations at every stage. Whether you prefer the certainty of owning your car outright with HP, or the flexibility of PCP, we’ll make sure the agreement suits your budget and lifestyle.