HCS Finance


At Hampshire Car Sales, we offer a variety of ways to fund your car, including Hire Purchase (HP) and Personal Contract Purchase (PCP). Allowing HCS to arrange your finance has many benefits.

Not only do we offer flexible, tailor-made solutions to suit your personal circumstances but we do all the work for you. Our Finance Specialists have access to a panel of lenders to ensure we get the best finance deal for you. We take care of all the documentation and most decisions are instant, allowing us to draw the funds quicker and get you in your new vehicle sooner.

All interest rates are fixed for the duration of the agreement and unlike most Personal Loans, HP and PCP are secured against the vehicle. Should you wish to repay your agreement early, you will receive a rebate of interest charges.


Hire Purchase (HP)





Over the years, Hire Purchase has been the most common type of car loan- you choose the amount of deposit you’d like to pay or even use your part exchange and the balance is equally spread over an agreed period between 12 and 60 months. Subject to availability and status, HP can be available with zero deposit. With HP there are no mileage limits and at the end of the agreement, you own the vehicle.

Just some of the benefits of HP

  • Fixed Interest Rate
  • Flexible Payment options over 12 – 60 months
  • Tailored Deposit either cash and/or part exchange
  • You own the vehicle after the last monthly payment


Personal Contract Purchase (PCP)





Personal Contract Purchase is becoming an ever more popular way to finance your new vehicle as generally they enable you to purchase a newer, more expensive vehicle with a lower monthly payment than other loans. Based on the age and mileage of the vehicle you’d like to purchase, and an agreed term and annual mileage, the finance company will calculate a guaranteed future value - this figure will be the final payment of your agreement.

Like HP you can choose the deposit amount (however sometimes there may be a maximum deposit) and agreement term from 24 – 48 months and at the end of the agreement you have 3 choices:


  • 1. Retain – Pay the Final Payment – you now own the vehicle
  • 2. Return – Hand the vehicle back to the finance company and walk away (Terms and Conditions apply with regards to mileage and condition on hand back)
  • 3. Renew – Part exchange the vehicle and settle your agreement using any equity as a deposit towards your new vehicle


Just some of the benefits of PCP

  • Fixed Interest Rate
  • Tailored Deposit either cash and/or part exchange
  • Often lower monthly payments than HP and personal loan
  • 3 Options at the end of agreement: retain, return, renew

*Ownership transfers once the customer pays all charges and payments including the Option to Purchase Fee when financed with PCP or Hire Purchase. 18s+. Subject to status & availability. T&Cs apply


Correct & Fair Advice, Every Time


When choosing HCS to assistant in financing your new vehicle we don’t want you to worry about a thing, which is why we only offer finance agreements which fully comply with the Consumer Credit Act.

We are also fully authorised and regulated by the Financial Conduct Authority (FCA) which means we abide by strict regulations when offering advice on Finance Products ensuring you, the customer always receives correct and fair advice. In addition to this all our Sales staff are Specialist Automotive Finance (SAF) accredited.

Found your dream car and cannot wait?

Sometimes there really is no time like the present and should you find yourself in a situation where you need to take delivery your new vehicle today, we offer a Same Day Drive-away facility on most our vehicles, subject to availability and finance status.

Richmond Cars Limited is authorised and regulated by the Financial Conduct Authority. We act as credit brokers and we are not a lender. Finance is subject to status and finance company acceptance. We will introduce you to a limited number of lenders who may be able to help finance your purchase. These lenders may or may not pay us for the introduction. Any commission amounts lenders pay will not affect the amount that you pay under your finance agreement. A guarantee may be required.