Car finance
Finance made simple
At car360, we make financing your next EV straightforward and transparent.
Whether you’re buying outright or exploring finance, our EV specialists are here to guide you every step of the way.
How it works
Great rates, clear terms, and a simple 4‑step process
1. Choose your car
Browse our wide range of quality used EVs and find your perfect match.
2. Explore finance options
Use the finance calculator on each car page to adjust your deposit and choose between PCP or HP.
3. Apply for finance
Submit your application online or speak with one of our EV specialists for personalised guidance and a bespoke quote
4. Complete your order
Once approved, we’ll take care of the final details and arrange delivery or collection. Then you're all set to hit the road!
Hire Purchase (HP)
✔ Own the car outright at the end.
✔ Pay an initial deposit
✔ Monthly payments over an agreed term
✔ Once all payments are made, the car is yours
✔ No final lump sum (balloon) payment
Best if: you want to keep the car long-term.
Personal Contract Purchase (PCP)
✔ Lower monthly payments and flexible end-of-term options.
✔ Pay a deposit and lower monthly instalments
✔ At the end, choose to:
✔ Buy the car by paying a final balloon payment
✔ Hand it back
✔ Trade it in for a new one
Best if: you want more flexibility or plan to change cars often.
Why finance with car360?
No admin fees,
ever
What you see is what you pay. No hidden costs, paperwork charges or sneaky extras.
Competitive rates from a panel of lenders
From 8.9% APR representative, with clear, manageable monthly payments.
All credit scores types considered.
Flexible lenders mean more approvals, whatever your credit score.
Clear, fixed pricing, no negotiations
What you see is what you pay. Simple and stress-free.
7-day money-back guarantee
Change your mind? Return it within 7 days for a full refund
EV specialists' support throughout
Dedicated EV support at every stage.
Finance FAQs
Do you charge any admin fees?
No, we don’t charge any admin fees or hidden costs.
Can I arrange my own finance?
No, all finance must be arranged through car360 to ensure compliance and consistency with our online buying process.
Can I get finance with a poor credit score?
Yes, we work with a variety of lenders who will assess your circumstances and offer the most suitable finance options available.
Please note that sub-prime finance is not guaranteed and may come at a higher cost than finance from prime lenders. We’ll do our best to secure finance for you, but approval isn’t guaranteed. If your offer comes from a sub-prime lender, the interest rate may be higher than those offered by prime lenders.
Is financing available on every car?
Yes, all our cars can be financed. Once you’ve found the right one, we’ll help you apply.
What if I change my mind after buying?
Every car comes with a 7-day money-back guarantee. If you're not happy, we’ll arrange collection and refund you in full.
Do you have more finance questions?
Visit our Help Centre or contact our team. We’re here to help.
Don't just take our word for it!