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Hire Purchase

Hire Purchase

Discover the Benefits of Choosing Hire Purchase Cars from Sinclair Direct

At Sinclair Direct, we understand the complexity and variability of our customers’ financial requirements when it comes to buying a car. With this in mind, we offer flexible hire purchase packages across our quality used car range, which can be tailored to your individual needs.

Often thought of as the ‘traditional’ method of financing a vehicle, hire purchase has proven to be the most popular type of finance for those who consider the end result of full ownership of the vehicle to be important. Hire purchase contracts are straightforward and can be broken down into three basic stages:

1. Customer pays an initial deposit of their choice
2. Monthly payments are agreed over a set period of time to cover the remaining balance
3. Once the final payment has been made, the vehicle becomes property of the customer.

In addition to the adaptability of the monthly payment amounts and length of the contract, there are numerous financial benefits to choosing a hire purchase package from Sinclair Direct. Your other credit requirements will remain undisturbed no matter the value of your loan – the loan is secured on your vehicle rather than any other assets, meaning your money is left free for future opportunities. In addition, car loan lenders are far more tightly regulated than banks and other lenders, the advantage to this being that should you choose to settle early on a car loan you’ll benefit from reduced interest rates (rare on a personal loan).

For more information about hire purchase and to find a finance solution that suits you, contact our specialist team or alternatively visit our finance house website at

HP Finance Example

Model Ford C-Max 1.6 Style 5 Door 2008 - Plate DOR. 05.03.08
Total Cash Price £7995
Customer Deposit £1199.75
Balance to Finance £6795.75
Interest payable £1522.65
Acceptance Fee £90
Option to Purchase Fee £60
Total Charge for Credit £1672.65
Total Amount Payable £9667.65
Payable by 48 monthly repayments of £173.30
APR 11.9%

Want to know how much you can borrow?

Use our Car Finance Calculator to show a breakdown that suits you!