What is Conditional Sale?



Conditional Sale, often referred to as Hire Purchase, is one of the most common ways to finance a new or used vehicle.

This is probably the most straight-forward and easy to understand method of vehicle financing.

Conditional Sale assumes that you want to eventually own the vehicle at the end of your finance term, so simply splits the total cost of the vehicle (minus your deposit) over the duration of your plan.

Vauxhall offers a 0% Conditional Sale agreement*, which means you only pay for the cost of the vehicle and nothing more.

Once the last monthly payment has been made, the vehicle is yours.

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