Your rate, explained
How the rate behind a car finance agreement is assessed.
Finance / broker service
Finance your car.
Choose the car, deposit and term that work for you. The team can approach its lender panel for a quotation based on your circumstances.
Illustration
Cash price first. Then deposit and term.
The 9.9% APR shown here is the placeholder requested for this prototype. It is not an offer; the confirmed lender quotation remains the source of truth.
Cash price
Amount of credit£37,496
Illustrative monthly payment*£94948 payments · 9.9% APR placeholder
- Cash price
- £49,995
- Customer deposit
- £12,499
- Amount of credit
- £37,496
- Total amount payable
- £58,060
- Term
- 48 months
- Illustrative APR
- 9.9%
*Illustration only using a 9.9% APR placeholder requested for this prototype—not an offer or approved rate. Finance is subject to status, income and lender approval. Ask for a written quotation showing every fee, commission disclosure and total amount payable.
Request a confirmed quotationHow it works
From car to quote.
- 01Choose the vehicle
Start with the exact car and cash price.
- 02Set the structure
Share the deposit and preferred term.
- 03Review the full quotation
Check the rate, fees, commission disclosure and total payable before deciding.
1st Choice Motors acts as a credit broker, not a lender, and may receive commission from a lender. Finance is subject to status, income and lender approval. Ask for a written quotation showing the rate, fees, commission disclosure and total amount payable.
Finance video guides
Understand the options
Hire Purchase
How HP spreads the cost of a vehicle into fixed monthly payments.
Personal Contract Purchase
How PCP works, including the optional final payment.
Talk to the finance team
Ask for a confirmed quotation.
No long application form on this page. Call or message the team and they will explain the information the selected lender needs.