Credit broker, not a lender. 8.9% representative APR.
Finance is subject to status, affordability and lender criteria. 18+.
Buying a used car?
Choose a listed vehicle, tell us about a car at another dealership, or ask for help choosing. Our team will discuss the next steps with you.
This callback is not a credit application, quotation or approval. No credit search is made by this form.
Ready with your details? Complete the full application →We can arrange finance for cars at other dealerships as well as vehicles listed here. Finance is subject to status, affordability and the provider accepting the car and supplying dealer.
Have the advert link, dealer name and cash price ready. Check the dealer, reservation terms and next steps before committing.
Finance a car from another dealer →Explore an illustration before you enquire. No personal details or credit search needed.
Not sure what you can afford? Allow for insurance, road tax, fuel and maintenance as well as the monthly payment.
Calculate payments for a specific car →Illustrative total car budget
Including your £250 deposit and the £499 admin fee for listed stock
8.9% representative APRDiscuss my finance options Your enquiry comes to Nationwide Motor Finance.Total cash price £12,350.00 including the £499 admin fee for listed stock, deposit £250.00, amount of credit £12,100.00. Over 60 months: 59 payments of £248.58 and a final payment of £248.50. Total charge for credit £2,814.72. Total amount payable including deposit £15,164.72. Fixed interest rate 8.56% per year (reducing balance); 8.9% APR representative.
Illustrative hire purchase with the admin fee within the total budget and no additional finance fees or balloon payment assumed. Not a quote or offer. Your actual rate, fees and available terms depend on status, affordability, the vehicle and lender criteria. How the calculation works.
Start with the question that matters to you. Each route explains the process and its limits before you apply.
Understand the checks and discuss your circumstances. Approval is not guaranteed.
Credit questions →Prepare income information and a realistic monthly budget.
Self-employed guidance →Find out which information a provider may ask for and what happens next.
Application checklist →Compare the deposit, APR, repayment term, fees and total payable.
Compare the full cost →Car finance lets you spread the cost of a vehicle, plus interest and any agreed fees, over a set term. The right starting point is a budget you can comfortably manage—not simply the lowest monthly figure.
Nationwide Motor Finance brings the car and finance conversation together. We’ll help you understand the deposit, repayment term and total cost, then explain the next steps for your circumstances.
Understand how car finance works →
Three straightforward steps, with our team on hand to help.
Start with a car or monthly budget. Send an enquiry to our team, or complete the full application when you’re ready.
We discuss your circumstances and any available route. A lender makes its own credit and affordability assessment.
Review the agreement, costs and vehicle details. Once everything is complete, arrange collection or ask about delivery.
Your enquiry reaches our team. Ask questions, explain your circumstances and get help with the next steps.
Browse vehicle photographs, specifications and cash prices alongside illustrative monthly payments.
Compare the deposit, APR, term and total payable. We explain our broker role and how commission may work.
The product matters as much as the payment. This is a general comparison, not a statement that every product is available through us.
Pay a deposit if required, then regular instalments. Ownership normally transfers after all payments and any option-to-purchase fee are paid.
Explore hire purchase →Usually has lower monthly repayments than an equivalent HP agreement but a larger optional final payment to own the car. Return conditions and mileage limits apply.
Understand the choices →Borrow money separately to buy a car outright. Ownership and consumer protections differ from vehicle-linked finance; compare the agreement carefully.
Compare the full costs →| What matters to you | Hire purchase | PCP | Personal loan |
|---|---|---|---|
| When do you own the car? | After final payment and any fee | If you pay the optional final payment and any fee | When you purchase it |
| Large optional final payment? | Usually no | Yes, to keep the car | No PCP-style final payment |
| Mileage / return conditions? | Check agreement | Yes, when returning the car | Not normally set by the loan |
| Secured on the car? | Usually yes | Usually yes | Usually unsecured |
Terms vary by provider. Finance is subject to status and affordability. Read the proposed agreement before deciding.
Original guides from Nationwide Motor Finance to help you ask the right questions.
Yes. Nationwide Motor Finance can arrange finance for vehicles at other dealerships as well as cars listed on this website. This is subject to status, affordability and the finance provider accepting the vehicle and supplying dealer. We are a credit broker, not a lender. Ask our team to check your chosen car before committing to a purchase.
No. HQ Sourcing Ltd T/A Nationwide Motor Finance acts as a credit broker, not a lender. We may introduce you to selected finance providers. We do not offer a whole-of-market comparison.
No. Finance is subject to status, affordability and the lender’s criteria. The lender makes the final decision and may require credit, identity and income checks.
Yes. You can ask our team to discuss your circumstances. Approval is not guaranteed and the rate and terms depend on the lender’s assessment.
No. Our short enquiry form does not search your credit file. If you proceed to a lender, the relevant provider will explain any soft or hard credit searches and the consent it requires.
Not necessarily. It is the representative APR used for our illustrations, not a personal quote. Your actual rate and terms depend on status, affordability and the lender’s assessment, and may be higher or lower.
Delivery may be available across England, Scotland and Wales. Please ask the team to confirm availability, cost and timing before you commit.