Hire Purchase

Buy the car you want with manageable monthly payments. At avocado our Hire Purchase (HP) rates are competitive with flexible repayment periods.

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What is HP finance

Understanding a Hire Purchase finance plan

HP is a way to purchase a car outright without paying for it upfront.

You agree on a set of monthly payments over a set period of time with an agreed-upon interest rate applied.

Once the last payment is made the car is owned outright.

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How HP works

Hire Purchase is an agreement in which you decide the amount you would like to put down as a deposit on your chosen vehicle and agree on the term of your agreement.

Then throughout the term of your agreement, you pay the regular installments over the agreed term until the remainder of its value is repaid.

Once the value of the car is completely repaid, you own it outright.

All that's left to do is hit the road!

Why choose avocado?

With over 40 years of experience selling premium used cars, we have all the experience to get you into your new car.

Premium Used Vehicles

Our vehicles are hand-picked based on quality. We ensure every vehicle's history and mileage are independently checked and verified. And we carry out HPI checks for further peace of mind. ​

Flexible finance and part exchange

We have a number of flexible finance options available to you. From a Personal Contract Plan, to a Hire Purchase plan or buying outright. You're in the driver's seat.

Three months MOT Six months warranty

Get 6 months warranty and 3 months MOT complimentary with every purchase of our premium used cars.

Fully valeted

Every vehicle will have a full professional valet before you collect it so that it has that new car feel, even if you know better.

Premium Used Vehicles

Our vehicles are hand-picked based on quality. We ensure every vehicle's history and mileage are independently checked and verified. And we carry out HPI checks for further peace of mind. ​

Flexible finance and part exchange

We have a number of flexible finance options available to you. From a Personal Contract Plan, to a Hire Purchase plan or buying outright. You're in the driver's seat.

Three months MOT Six months warranty

Get 6 months warranty and 3 months MOT complimentary with every purchase of our premium used cars.

Fully valeted

Every vehicle will have a full professional valet before you collect it so that it has that new car feel, even if you know better.

Hire Purcahse FAQs

HP is a straightforward route to ownership in which you can work your way up to full ownership, spreading the overall cost over a fixed term.

A PCP is a flexible method of financing a vehicle over a fixed term. The agreement defers your decision of whether you purchase, hand back or part-exchange your vehicle until the end of your agreement.​

If at any point you wish to voluntarily terminate your agreement, the vehicle will be subject to our return checks, as vehicle condition, excess mileage and other charges may be payable.

A 'Fair Wear & Tear' clause and a maximum of 20,000 miles will apply if the vehicle is returned at the end of the agreement and may apply in the event of Voluntary Termination.

Once your final payment is made as well as a nominal 'Option to Purchase Fee' of £10, you will own the vehicle outright.

  • A 'Fair Wear & Tear' clause will apply if the vehicle is returned at the end of the agreement and may apply in the event of Voluntary Termination
  • You do not own the vehicle outright until the final payment is made
  • Your vehicle is at risk of repossession if you do not maintain the contractual repayments
  • You must not sub lease or rent the vehicle to a third party
  • Charges may apply for late payments or to alter the repayment date (these are detailed in the SECCI)
  • Any outstanding finance must be settled if the goods are sold.

Discover our cars

Volvo V40 DIESEL HATCHBACK D2 [120] R DESIGN Pro 5dr
Price

£10,995

USED

32,000 miles

or from £257 per month
Diesel
Manual
2016
View vehicle
Audi A5 DIESEL SPORTBACK 35 TDI S Line 5dr S Tronic
Price

£26,995

USED

22,739 miles

or from £437 per month
Diesel
Automatic
2021
View vehicle
Audi Q3 ESTATE SPECIAL EDITIONS 2.0T FSI [211] Quattro S Line Plus 5dr S Tronic
Price

£15,995

USED

43,739 miles

or from £374 per month
Petrol
Automatic
2014
View vehicle
Bmw 4 SERIES CONVERTIBLE M440i xDrive MHT 2dr Step Auto
Price

£39,795

USED

7,801 miles

or from £635 per month
Petrol
Automatic
2021
View vehicle
Jaguar XE SALOON 2.0 Prestige 4dr Auto
Price

£11,995

USED

34,035 miles

or from £280 per month
Petrol
Automatic
2015
View vehicle
Bmw I3 HATCHBACK 125kW 42kWh 5dr Auto
Price

£17,695

USED

12,812 miles

or from £299 per month
Electric
Automatic
2021
View vehicle
Volvo V90 ESTATE 2.0 B5P Cross Country 5dr AWD Auto
Price

£28,995

USED

32,354 miles

or from £475 per month
Petrol
Automatic
2020
View vehicle
Mini HATCHBACK 2.0 John Cooper Works 3dr Auto
Price

£16,345

USED

46,611 miles

or from £382 per month
Petrol
Automatic
2017
View vehicle

Finance Representative Example (HP): Based on a cash price of £18,795 with a £1000.00 deposit, borrowing a total credit of £17,795.00 and making 48 monthly payments of £446.87. Total amount payable of £22,449.76. Representative APR of 11.9%, 9.46% fixed interested rate, 10,000 annual mileage limit with a 8p excess mileage charge.