FAQ

While we prefer to handle warranty work ourselves to ensure quality, we have an approved network of repairers across the North West for your convenience.

Yes, absolutely it is! Every vehicle we sell includes our HPL one-month warranty at no extra cost. It's our way of showing confidence in our cars and commitment to customer care.

Yes, we can arrange extended warranties up to the expiry date of your current coverage. We recommend discussing options at your first service.

Almost all our vehicles are available on finance, subject to the car's age, value, and condition meeting lender criteria. Please get in touch if you have a specific finance-related question about any of our used cars.

If you exceed your agreed annual mileage, charges typically range from 3p-15p per mile, depending on the vehicle type and agreement terms. Bear in mind that these charges can quickly add up!

There's no minimum score - different lenders have different criteria you need to meet. We work with lenders who consider applications from customers with various credit backgrounds.

Absolutely. We work with lenders who understand self-employed income. You'll typically need 2 to 3 years of accounts or SA302 forms.

Great news! This means you have positive equity that can be used as a deposit on your next car, or you can sell the car privately and keep the difference.

Contact us immediately if you're struggling. We can often help by speaking to your lender about temporary arrangements or payment holidays.

Our initial soft credit search won't affect your credit score. Only when you proceed to a full application will a hard search be conducted, which could affect your score.

Yes, most agreements allow early settlement. Although, be aware that there may be early settlement charges, which we'll explain clearly before you sign on the dotted line.

Here at HPL Motors, you can apply for used car finance in five easy steps: Step 1: Soft Credit Check - Start with our 60-second soft search to see your options without affecting your credit score. Step 2: Choose Your Car - Browse over 1,000 quality used cars across our four showrooms or let us know what you're looking for and we’ll do our best to source it for you. Step 3: Finance Application - Complete your full application with one of our car finance specialists, either online, by phone, ...

Most applications receive a decision within 2 to 4 hours during business hours. Our soft credit search gives an instant indication of your options in just 60 seconds.

The essential documents you need include: Proof of identity, such as a valid UK driving licence or passport Proof of address, such as a recent utility bill, bank statement, or council tax bill Proof of income, such as recent payslips, bank statements, or SA302 if you’re self-employed Bank account details to set up a direct debit Additional Information may also include: Details of existing credit commitments Employment information and length of service Annual income and regular outg...

There are many reasons you may want to consider buying your car on finance - here are just a few that may complement your current circumstances: Preserve Your Hard-Earned Cash: Keep your savings for emergencies while still getting the car you need today. Access Better Quality Vehicles: Opting for finance often allows you to choose a higher-spec or newer vehicle than you could afford to buy outright. Spread the Cost: Make manageable monthly payments instead of one large payment. Build Credi...

Your insurance should cover the outstanding finance balance. We recommend investing in GAP insurance to cover any potential shortfall between the insurance payout and the outstanding finance.

With HP, you own the car automatically at the end of the agreement and have higher monthly payments but no mileage restrictions. With PCP, you have lower payments but mileage limits and various choices to make at the end.

Yes, you can settle the finance agreement early and sell the car. If it's worth more than the settlement figure, you keep the difference. If it's worth less, you'll need to pay the shortfall.

Yes, we work with specialist lenders who consider applications from customers with various credit backgrounds. Terms may differ, but HP is often available even with a poor credit history.

Yes! Since you're purchasing the car, you're generally free to make modifications during the agreement. However, it's worth checking with us first, especially for major modifications.

As the future owner of the vehicle, you're responsible for maintaining the car in roadworthy condition. Unlike PCP or leasing, there are no specific return condition requirements since you'll own the car.

Yes, most Hire Purchase agreements allow early settlement. This means you can pay off the remaining balance at any time, although be aware that early settlement charges may apply.

You'll have full use of the car during your agreement, and once the final payment is made, you'll own it outright. You're responsible for insurance, maintenance, and MOTs throughout the term

With PCP, you have the option to buy the car at the end. With leasing, you must return it - there's no purchase option - essentially, you simply have the car on loan.

The car should be in good condition, considering its age and mileage, with fair wear and tear expected. We'll explain the acceptable standards clearly before you sign on the dotted line.

Yes, we work with specialist lenders who consider applications from customers with various credit backgrounds. Terms may differ, but PCP is often still available.

Excess mileage charges typically range from 3p to 15p per mile. We'll help you choose a realistic mileage limit at the start to help you avoid any financial surprises at the end of the agreement.

Minor modifications are usually acceptable, but major changes may affect the car's value. Always check with us first before making any modifications.

Yes, most Personal Contract Purchase agreements allow early settlement. This means you can pay off the remaining balance at any time, although be aware that early settlement charges may apply.

Excellent news! This positive equity can be used as a deposit on your next car, or you can buy the car and sell it privately to keep the difference.

You simply return the car to the leasing company, subject to condition and mileage checks. There are no ownership options - you'll need to arrange alternative transport or start a new lease.

Yes, you must maintain fully comprehensive insurance throughout the lease period. The leasing company will typically require specific minimum coverage levels and may need to be listed as an interested party.

The car should show only fair wear and tear appropriate to its age and mileage. Damage beyond normal wear will result in charges, which we'll explain clearly before you sign.

PCH agreements can be more challenging to obtain with poor credit, as you never build equity in the vehicle. However, we work with specialist lenders who may still consider your application - speak with us to find out more.

Vehicle leasing maintenance packages typically cover servicing, MOTs, repairs, and sometimes tyres and replacement parts. This creates one predictable monthly payment covering most motoring costs except fuel and insurance.

No, modifications are generally not permitted on leased vehicles as they don't belong to you. The car must be returned in its original specification at the end of the agreement