Finance at Just Motor Group

 At Just Motor Group, we understand that buying a car can be a significant investment, which is why we offer a variety of car finance options to suit your budget and needs.

When it comes to car financing, there are a number of options available to you that we explain below.

Before deciding on a financing option, it's important to consider your budget and how much you can afford to pay each month. Make sure to factor in the cost of the car, as well as any associated fees such as taxes, registration, and insurance. You'll also want to consider the length of the loan and the interest rate, as these will affect the overall cost of the car.

Our experienced and friendly team is here to help you navigate the financing process and find the best option for your needs. We can provide information on available promotions and help you calculate monthly payments based on different loan terms and interest rates. We'll work with you to find a financing option that fits your budget and gets you behind the wheel of your dream car.

We strive to make the car-buying process as smooth and stress-free as possible which is why we offer a variety of car finance options to fit your needs. Contact us today to schedule a test drive and learn more about our financing options.

Hire Purchase, Personal Contract Purchase/Lease Purchase or Personal Loan

We offer you the choice of a Hire Purchase, Personal Contract Purchase or finance agreement. These agreements can be created for car finance deals with no deposit. Which is best for you depends on your individual circumstances. We’ll explain the main differences below to shed clarity on the matter:

Why Finance Through a Dealership

What is Hire Purchase?

What is Personal Contract Purchase?


Hire Purchase (HP)

Hire Purchase agreements are a type of credit where once you have paid the total loan amount, you own the vehicle. During the loan term, the financer owns the vehicle. Once you repay them in full, ownership passes to you. Typically, Hire Purchase agreements have higher monthly payments because you are repaying the total car amount. With a Personal Contract Purchase, you repay only part of that amount.

Personal Contract Purchase (PCP)

Personal Contract Purchase agreements are a type of credit where you pay off instalments to cover part of the cost of a car. Once you have paid off the amount as set out in the agreement, you hand the car back to the owner, who is the financer. Alternatively, if you want to keep the car, you can refinance the remaining cost of it. This is called the balloon payment. It is based on the guaranteed future value (GFV) of the car.

Personal Loan

One of the most straightforward ways to pay for your car is with a personal loan from our finance team here at Just Motor Group or from your bank or building society. Once the money has transferred to your account you can choose any car that suits your budget. The car will be owned by you from the moment you pay for the car. You’ll have no further amounts to pay other than the loan repayments to your lender.

Why choose car finance?

Here are some of the advantages of choosing to buy your car on finance:

  • Get a better car
  • Cost is spread out
  • Fixed monthly payment
  • Can be driving a car on a tight budget
  • Improves credit score
  • No hassle of selling it on
  • Deposit contribution on new cars


The Just Partnership Limited is an Appointed Representative of Automotive Compliance Ltd, who is authorised and regulated by the Financial Conduct Authority (FCA No 580347). Automotive Compliance Ltd’s permissions as a Principal Firm allows The Just Partnership Limited to act as a credit broker, not as a lender, for the introduction to a limited number of lenders and to act as an agent on behalf of the insurer for insurance distribution activities only. 

We can introduce you to a selected panel of lenders, which includes manufacturer lenders linked directly to the franchises that we represent. An introduction to a lender does not amount to independent financial advice and we act as their agent for this introduction. Our approach is to introduce you first to the manufacturer lender linked directly to the particular franchise you are purchasing your vehicle from, who are usually able to offer the best available package for you, taking into account both interest rates and other contributions. If they are unable to make you an offer of finance, we then seek to introduce you to whichever of the other lenders on our panel is able to make the next best offer of finance for you. Our aim is to secure the best deal you are eligible for from our panel of lenders. Lenders may pay a fixed commission to us for introducing you to them, calculated by reference to the vehicle model or amount you borrow. Different lenders may pay different commissions for such introductions, and manufacturer lenders linked directly to the franchises that we represent may also provide preferential rates to us for the funding of our vehicle stock and also provide financial support for our training and marketing. But any such amounts they and other lenders pay us will not affect the amounts you pay under your finance agreement, all of which are set by the lender concerned. If you ask us what the amount of commission is, we will tell you in good time before the Finance agreement is executed. All finance applications are subject to status, terms and conditions apply, UK residents only, 18’s or over. Guarantees may be required.

Regulated Complaints
Post: Automotive Compliance Ltd, The Factory, 44 Alfred Street, Gloucester, GL1 4DD
Telephone: 01452671560
If we cannot resolve your complaint within 8 weeks, you may refer your dispute to the Financial Ombudsman Service. This service is free to use. Their consumer helpline is available on 0800 023 4567 or 0300 123 9123 or you can visit their website at