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

Bmw 4 SERIES DIESEL COUPE 435d xDrive M Sport 2dr Auto [Professional Media]
Price

£18,495

USED

34,930 miles

or from £433 per month
Diesel
Automatic
2015
Newbury
View vehicle
Audi A1 SPORTBACK 35 TFSI S Line 5dr S Tronic
Price

£22,495

USED

20,000 miles

or from £348 per month
Petrol
Automatic
2022
Guildford
View vehicle
Honda JAZZ HATCHBACK 1.3 i-VTEC EX 5dr CVT
Price

£11,495

USED

37,000 miles

or from £269 per month
Petrol
Automatic
2017
Newbury
View vehicle
Mini HATCHBACK 1.5 Cooper Sport 3dr
Price

£19,495

USED

15,000 miles

or from £300 per month
Petrol
Manual
2022
Newbury
View vehicle
Bmw 3 SERIES SALOON 330e M Sport 4dr Auto
Price

£22,495

USED

29,153 miles

or from £345 per month
Petrol/PHEV
Automatic
2020
Newbury
View vehicle
Audi A3 SALOON 35 TFSI S Line 4dr S Tronic
Price

£22,995

USED

20,525 miles

or from £357 per month
Petrol
Automatic
2021
Newbury
View vehicle
Volvo XC60 DIESEL ESTATE 2.0 D4 Momentum Pro 5dr AWD Geartronic
Price

£24,695

USED

39,790 miles

or from £387 per month
Diesel
Automatic
2019
Dorchester
View vehicle
Audi Q3 ESTATE 40 TFSI Quattro Sport 5dr S Tronic
Price

£24,495

USED

20,985 miles

or from £573 per month
Petrol
Automatic
2019
Newbury
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.