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Car Finance

As an FCA regulated dealer and licensed credit broker, Urban Car Company offer a range of finance options tailored to suit every need.

Simply locate the vehicle you are interested in, and view the vehicle details. At the bottom of the vehicle details page there is a tab called ‘Finance Details’. When you click on this tab you are presented with the best ways of financing your vehicle.

If you would like to find out more about the types of finance available from Urban Car Company, check out the sections below, and when you’re ready simply click on one of the buttons below to take the first step towards your new car.

Please note, any customers wanting to arrange their own finance through a Third Party Finance Company will be subject to a £299 admin fee for processing documentation to the Third Party Finance Company.

finance image



Personal Contract Purchase (PCP) is an increasingly popular choice for car finance. It offers the best in flexibility at the end of the agreement, together with low, fixed monthly payments.  Choosing to pay for your vehicle this way often means you can drive a higher specification vehicle for a lower monthly payment.

You will pay an initial deposit, followed by a chosen amount of monthly payments usually between 24 and 48 months.

At the end of the term you will have four options:

1) Buy the car by paying an agreed minimum residual value
2) Part-exchange the vehicle for another
3) Sell the vehicle privately (settling the balloon) Or,
4) Subject to mileage and condition, return the car with nothing more to pay


Hire Purchase (HP) which offers a straightforward way to spread the cost of your new vehicle. There is a fixed rate of interest with fixed monthly payments, which allows you to take ownership of your car once all payments are made, making budgeting simple and easy.

Once you have reached an agreement with us to pay an initial deposit, typically between 5-50% of the vehicle price. The remainder of the balance, together with the interest, is repaid monthly over an agreed period usually between 1-5 Years. At the end of the period the car is yours.

Unlike a personal contract purchase (PCP) agreement, the residual value of the vehicle is not taken into account. Instead, your monthly payments on a hire purchase agreement are determined by the retail price of the vehicle, the size of the deposit and the length of the contract.

Why Finance Through a Dealership

What is Hire Purchase?

What is Personal Contract Purchase

Urban Car Company Ltd are a credit broker and not a lender. We are Authorised and Regulated by the Financial Conduct Authority. FCA No: 683910 Finance is Subject to status. Other offers may be available but cannot be used in conjunction with this offer. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase
Registered in England & Wales: 06615400
Registered Office: Address: Urban Car Company Ltd Viking Way, Bar Hill, Cambridge, Cambridgeshire, CB23 8EL
Data Protection No: ZA342376

We are OPEN for Online Purchases

We are operating a Click and Collect Service during this current Covid-19 Lockdown. Simply find the car you wish to purchase then contact a member of our sales team on either 01954 782430 or by emailing


Virtual Viewing

Let us know which vehicle you are interested in and we will record a bespoke video for you focusing on any specific areas you request. Contact us to arrange a Virtual Appointment.


Online Purchase (Click and Collect)

Once you have completed the Virtual Viewing of the car you like, our Sales Team will take you through the remote Online “Click and Collect” Purchase. You can pay for the car and complete all the paperwork (including Finance) using our Contactless Purchase option. Once the funds are clear in our bank you can collect your new car at a time that’s convenient.

Delivery options are also available. Speak to a member of our Sales Team for further details.


7 Day Money Back Guarantee

We are confident that you’ll love your new car but if for any reason you are not completely happy with the car simply contact us, we will give you a full refund and we will arrange collection of the car from the delivery address, subject terms and conditions. This does not affect your statutory rights.

COVID-19 Update