Finance Explained


Buying a car is a big decision 

That's why we've put this guide together. Keep its advice in mind so you can make your choice with confidence. We've split the guide into four easy to read sections.   

Financing a new vehicle

With the range of options available, new car financing can sometimes be a little confusing.


As with anything, when it comes down to deciding what type of car finance agreement to enter into, it’s important to understand the differences between each one, and which may appeal to your needs the most.


With Vauxhall, there are three main ways to finance a new car. To help you, we’ve put together a simple guide on each one.


Please select an option to find out more:

Getting a good deal

Remember, you’ll find the best deals at Vauxhall Retailers, who provide car financing through Vauxhall Finance, as well as their own retail offers.

Retailer-specific offers can be found by visiting Retailers in person. Find your nearest Retailer. Alternatively, you can request a quote to see what deals they have.


Vauxhall’s full range of finance offers can be found from here.

Comparing Finance Options

The table below highlights the key differences and similarities between the finance products available at your local Vauxhall Retailer.
Personal Contract Purchase (PCP) Conditional Sale Personal Contract Hire
New Cars

Used Cars

Upfront Payment Optional Optional
Monthly Payments

Damage Charges ✓*

Excess Mileage Charges ✓*

Depreciation Risk X
Road Tax Included X X
Vehicle Ownership Option to buy**
Owned at the end of the term No option to buy
Maintenance Package X X

* Damage and excess mileage charges are only payable if the vehicle is handed back

** If you pay the Optional Final Payment, you will take ownership of the car at the end of the contract

† A maintenance package is available for an additional fee