New and Used Car Finance Deals

Try out our calculators on our car pages

Whether it's a New or a Used car, we have finance calculators just like the one above for you to not only get an idea of what the payments are on the car, but also so you can do a free finance eligibility check.

Submit an online application

Did you know you can buy a car online with Chapelhouse? Simply follow the steps and you can submit your application, or simply reserve a car only for only £99. We can even send you videos of the car you're interested in!

Drive away with a smile!

We'll contact you to arrange all the finer details and arrange a time and date for you to either come in for a test drive, or even collection!

Personal Contract Purchase (PCP)

Personal Contract Purchase - is a variation of the Hire Purchase agreement, the key difference is that the anticipated value of the car at the end of the contract is calculated at the start of the agreement and this figure is deferred to the end of the agreement. This deferred sum is usually referred to as the Guaranteed Minimum Future Value (GMFV) or optional final payment. The PCP agreement also gives you the flexibility to decide whether you would like to own the car outright at the end of the agreement.

Hire Purchase (HP)

Hire Purchase - exactly what it sounds like, a hire agreement that gives you an option to own the car at the end of the agreement. The loan period is fixed typically between 12-60 months, and the finance agreement is secured against the car being bought. On an HP Agreement, you are obliged to purchase the vehicle by paying an Option To Purchase Fee.

Personal Contract Hire (PCH)

Personal Contract Hire - provides hassle-free motoring, you benefit from a low initial outlay, regular rentals and no worries about returning your vehicle at the end of the contract. 

Conditional Sale (CS)

Conditional Sales - is a purchase agreement, similar to Hire Purchase. The key difference between a Hire Purchase and a Conditional Sale is that once all the repayments have been made you commit to becoming the legal owner, there is no option to purchase fee.

Business Contract Hire (BCH)

Business Contract Hire - the efficient way of funding the use of the vehicle without the cost of ownership, you benefit from initial outlay, regular rentals and no worry about disposal of your vehicle at the end of the contract.

Personal Loan Finance (PL)

Personal Loan Finance - ideal for people who want to own the car at the beginning of the finance agreement and do not have a deposit to put towards their purchase, or in some circumstances where your current part exchange has negative equity.  

Lease Purchase (LP)

Lease Purchase - same as conventional Hire Purchase the key difference is there is a balloon payment deferred to the end of the agreement. This reduces the fixed regular payments; however, the final balloon payment is not optional and the future value of your vehicle is not guaranteed.