Clear figures. No surprises.
We work with a panel of trusted lenders to offer Hire Purchase and PCP on every car in stock. See the full figures before you sign anything — across West Yorkshire and nationwide.
- Soft-search quote
- No obligation
- Part-ex welcome
Monthly payment calculator
Illustration only — not a quote or offer of finance. Figures assume a standard Hire Purchase agreement with no option-to-purchase fee. Finance is subject to status; 18+ UK residents only. Apex Automotive is a credit broker, not a lender.
Four steps to the keys.
No pressure and no surprises - you see every figure before you decide.
Pick your car
Choose any car in stock. We'll confirm the on-the-road price and talk through deposit and term options with you.
Soft search
We run an eligibility check with our lender panel. It's a soft search, so it won't affect your credit score.
See the figures
You get the full, clear breakdown - monthly payment, total payable and APR - before you commit to anything.
Drive away
Happy with the numbers? We complete the paperwork with the lender and get your car prepared for collection or delivery.
What the figures look like.
Borrowing £7,195 on Hire Purchase for a car with a £7,995 cash price and an £800 deposit, over 48 months at 12.9% APR representative. The rate you're offered depends on your circumstances and the lender.
- 48 monthly payments of
- £192.66
- Total cost of credit
- £2,052.68
- Total amount payable
- £10,047.68
Figures include the £800 deposit and are illustrative. Finance is subject to status and affordability; 18+ UK residents only.
Finance, in plain English.
Will checking finance affect my credit score?
No. The initial eligibility check we run with our lender panel is a soft search, which is not visible to other lenders and does not affect your credit score. A hard search only happens once you decide to proceed with a full application.
What's the difference between HP and PCP?
With Hire Purchase you pay a deposit then fixed monthly payments, and the car is yours at the end with no mileage limits. With PCP your monthly payments are lower because part of the value is deferred into a final balloon payment - at the end you can pay it and keep the car, hand it back, or trade in for your next one.
Can I use my current car as the deposit?
Yes. We can value your car as a part exchange and put that value straight towards your deposit. Get a valuation first and we'll build the finance figures around it.
Who can apply for finance?
Finance is available to UK residents aged 18 and over, subject to status and affordability. Approval and the rate offered depend on your circumstances and the lender.
Is Apex Automotive a lender?
No. Apex Automotive is a credit broker, not a lender, and can introduce you to a limited number of finance providers. Any finance agreement is between you and the lender.
Get your figures before you commit.
Tell us the car and your budget and we'll come back with clear, no-obligation figures. It's a soft search, so there's nothing to lose.