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HP Deals On Used Cars

We have 40,574 cars for sale that are available on an HP finance plan. All cars come with 12 months free breakdown cover (or a discounted upgrade if you're an AA member) and £75 off your next service & MOT.

Free basic breakdown offer hanging from rear view mirror

Finance representative example (Hire Purchase)

Borrowing £10,000 at a representative APR of 11.9%

59 monthly payments
£218.83
Final payment
£228.83
Fixed interest rate
11.9%
Representative APR
11.9%
Cost of credit
£3,139.80*
Total amount payable
£13,139.80
*The representative example includes an estimated option to purchase fee of £10. This is subject to status and although fees may vary in amount and when payable, the total cost of credit and APR received will not alter. This representative example is for illustration purposes only and does not constitute an offer. Written quotations are available on request and finance is subject to status. AA Car Finance is provided by Evolution Funding Ltd. Used Car Sites Limited, on behalf of AA Financial Services Limited, introduces you to Evolution and are each acting as credit brokers and not lenders. AA Financial Services Limited receives a commission from Evolution Funding Ltd, which can vary based on the lender and vehicle selected. By submitting an application for car finance you consent to the commission being paid and acknowledge AA Financial Services Limited is not acting impartially.

Latest HP Finance Deals

  • Vauxhall Corsa ENERGY A/C ECOFLEX

    From £109 p/m

    £4,995
    Vauxhall Corsa ENERGY A/C ECOFLEX
    • 2017
    • •
    • 69,207 miles
    • •
    • Petrol
    • •
    • Manual
    M K Motors Ltd

    Icon - location pin London

    More details >
  • Citroen C4 Cactus BLUEHDI FLAIR

    From £116 p/m

    £5,295
    Citroen C4 Cactus BLUEHDI FLAIR
    • 2017
    • •
    • 71,989 miles
    • •
    • Diesel
    • •
    • Manual
    M K Motors Ltd

    Icon - location pin London

    More details >
  • BMW 420 420d M SPORT

    From £208 p/m

    £9,495
    BMW 4 SERIES 420d M SPORT
    • 2016
    • •
    • 109,054 miles
    • •
    • Diesel
    • •
    • Automatic
    M K Motors Ltd

    Icon - location pin London

    More details >
  • Audi A4 AVANT TFSI SPORT

    From £219 p/m

    £9,995
    Audi A4 AVANT TFSI SPORT
    • 2017
    • •
    • 88,587 miles
    • •
    • Petrol
    • •
    • Manual
    M K Motors Ltd

    Icon - location pin London

    More details >
  • Mercedes GLA GLA 220 D 4MATIC AMG LINE PREMIUM PLUS

    From £263 p/m

    £11,995
    Mercedes GLA GLA 220 D 4MATIC AMG LINE PREMIUM PLUS
    • 2018
    • •
    • 100,148 miles
    • •
    • Diesel
    • •
    • Automatic
    M K Motors Ltd

    Icon - location pin London

    More details >
  • Ford Kuga ST-LINE FIRST EDITION ECOBLUE

    From £284 p/m

    £12,995
    Ford Kuga ST-LINE FIRST EDITION ECOBLUE
    • 2020
    • •
    • 61,824 miles
    • •
    • Diesel
    • •
    • Manual
    M K Motors Ltd

    Icon - location pin London

    More details >
Icon - car with tick symbol

Want extra reassurance before buying?

Consider a pre-purchase vehicle inspection. An independent AA mechanic will check for any issues, helping you avoid costly surprises.

Book a vehicle inspection
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Selling made easy with a free instant valuation

Enter your reg number below to get a valuation estimate from our trusted partner Motorway.

Please note: If you tap 'Get a valuation' you will be taken directly to the Motorway website.

Why buy HP through The AA

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Online eligibility in minutes

Check your eligibility online in minutes, without impacting your credit score

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Find the right finance for you

We compare more than 30 lenders for you, so you could get a better price and chance of getting accepted.

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Expert support

Dedicated UK-based account manager, to guide you through every step of the journey.

Manufacturer Approved cars available on HP

Vehicles inspected by the dealer to ensure they meet the manufacturer's standards
  • Toyota AYGO 1.0 VVT-i X-Play 5dr x-shift

    From £230 p/m

    £10,500
    Toyota Aygo 1.0 VVT-i X-Play 5dr x-shift
    • 2019
    • •
    • 6,237 miles
    • •
    • Petrol
    • •
    • Automatic
    Invicta MG/Mazda Croydon

    Icon - location pin Croydon

    More details >
  • Mazda 3 2.0 Sport Nav 5dr

    From £241 p/m

    £11,000
    Mazda 3 2.0 Sport Nav 5dr
    • 2018
    • •
    • 49,336 miles
    • •
    • Petrol
    • •
    • Manual
    Invicta MG/Mazda Croydon

    Icon - location pin Croydon

    More details >
  • Nissan Qashqai 1.2 DiG-T Tekna (Non-Panoramic) 5dr Xtronic

    From £241 p/m

    £11,000
    Nissan Qashqai 1.2 DiG-T Tekna (Non-Panoramic) 5dr Xtronic
    • 2016
    • •
    • 33,144 miles
    • •
    • Petrol
    • •
    • Automatic
    Invicta MG/Mazda Croydon

    Icon - location pin Croydon

    More details >
  • Renault Kadjar 1.3 TCE GT Line 5dr

    From £263 p/m

    £12,000
    Renault Kadjar 1.3 TCE GT Line 5dr
    • 2019
    • •
    • 20,768 miles
    • •
    • Petrol
    • •
    • Manual
    Invicta MG/Mazda Croydon

    Icon - location pin Croydon

    More details >
  • Ford Puma 1.0 EcoBoost Hybrid mHEV Titanium 5dr

    From £268 p/m

    £12,250
    Ford Puma 1.0 EcoBoost Hybrid mHEV Titanium 5dr
    • 2023
    • •
    • 21,549 miles
    • •
    • Petrol
    • •
    • Manual
    Invicta MG/Mazda Croydon

    Icon - location pin Croydon

    More details >
  • Mazda CX3 2.0 SE-L Nav + 5dr

    From £282 p/m

    £12,900
    Mazda CX-3 2.0 SE-L Nav + 5dr
    • 2019
    • •
    • 13,369 miles
    • •
    • Petrol
    • •
    • Manual
    Invicta MG/Mazda Croydon

    Icon - location pin Croydon

    More details >

Browse HP Offers By Make

  • Ford
  • Vauxhall
  • Volkswagen
  • Mercedes
  • Audi
  • BMW

Automatic Car HP Offers

  • BMW 4 SERIES 420d M SPORT
    BMW 4 SERIES 420d M SPORT
    BMW 4 SERIES 420d M SPORT

    From £208 p/m

    £9,495
    BMW 4 SERIES 420d M SPORT
    • 2016
    • •
    • 109,054 miles
    • •
    • Diesel
    • •
    • Automatic
    M K Motors Ltd

    Icon - location pin London

    More details >
  • Mercedes GLA GLA 220 D 4MATIC AMG LINE PREMIUM PLUS
    Mercedes GLA GLA 220 D 4MATIC AMG LINE PREMIUM PLUS
    Mercedes GLA GLA 220 D 4MATIC AMG LINE PREMIUM PLUS

    From £263 p/m

    £11,995
    Mercedes GLA GLA 220 D 4MATIC AMG LINE PREMIUM PLUS
    • 2018
    • •
    • 100,148 miles
    • •
    • Diesel
    • •
    • Automatic
    M K Motors Ltd

    Icon - location pin London

    More details >
  • BMW 1 SERIES 118i M SPORT SHADOW EDITION
    BMW 1 SERIES 118i M SPORT SHADOW EDITION
    BMW 1 SERIES 118i M SPORT SHADOW EDITION

    From £289 p/m

    £13,195
    BMW 1 SERIES 118i M SPORT SHADOW EDITION
    • 2018
    • •
    • 60,141 miles
    • •
    • Petrol
    • •
    • Automatic
    M K Motors Ltd

    Icon - location pin London

    More details >

Used Electric HP Offers

  • BMW I3 33kWh Hatchback 5dr Electric Auto (170 ps)
    BMW I3 33kWh Hatchback 5dr Electric Auto (170 ps)
    BMW I3 33kWh Hatchback 5dr Electric Auto (170 ps)

    From £182 p/m

    £8,295
    BMW I3 33kWh Hatchback 5dr Electric Auto (170 ps)
    • 2017
    • •
    • 60,000 miles
    • •
    • Electric
    • •
    • Automatic
    Keecars

    Icon - location pin London

    More details >
  • Tesla MODEL S 75D (Dual Motor) Hatchback 5dr Electric Auto 4WD (328 bhp)
    Tesla MODEL S 75D (Dual Motor) Hatchback 5dr Electric Auto 4WD (328 bhp)
    Tesla MODEL S 75D (Dual Motor) Hatchback 5dr Electric Auto 4WD (328 bhp)

    From £335 p/m

    £15,295
    Tesla MODEL S 75D (Dual Motor) Hatchback 5dr Electric Auto 4WD (328 bhp)
    • 2018
    • •
    • 60,000 miles
    • •
    • Electric
    • •
    • Automatic
    Keecars

    Icon - location pin London

    More details >
  • Hyundai KONA 64kWh Premium SE Auto 5dr (7kW Charger)
    Hyundai KONA 64kWh Premium SE Auto 5dr (7kW Charger)
    Hyundai KONA 64kWh Premium SE Auto 5dr (7kW Charger)

    From £247 p/m

    £11,265
    Hyundai KONA 64kWh Premium SE Auto 5dr (7kW Charger)
    • 2020
    • •
    • 55,594 miles
    • •
    • Electric
    • •
    • Automatic
    Old Oak Car Sales

    Icon - location pin London

    More details >
AA Car Finance is provided by Evolution Funding Limited. Used Car Sites Limited, on behalf of AA Financial Services Limited introduces you to Evolution Funding Limited and each are acting as a credit broker and not a lender. AA Financial Services Limited receives a commission from Evolution Funding Services for that introduction, and is not acting impartially in making the introduction. The amount of commission can vary based on the lender selected which is most appropriate for you and also the amount you borrow and the term the loan is borrowed over. You will be advised of the amount in good time before your agreement is signed. By submitting an application for finance you consent to the commission being paid and acknowledge AA Financial Services Limited is not acting impartially. Evolution Funding Limited Registered Office: Thompson Close, Whittington Moor, Chesterfield, Derbyshire, S41 9AZ. Registered in England and Wales with company number: 11354996 | Data Protection No: ZA481166 | VAT No: GB 315630330. Evolution Funding Limited are authorised and regulated by the Financial Conduct Authority, Registered No: 823324. Evolution Funding Limited are a credit broker and not a lender. Evolution Funding Limited work with a panel of lenders from whom they will receive financial remuneration which may be based on a fixed fee or a percentage of the amount you borrow, varying by lender, the amount you borrow and the term the loan is borrowed over and will impact the amount payable by you. AA Financial Services Limited and Evolution Funding Limited will disclose the commission to be received from the finance company prior to the order of the vehicle. This may be at point of finance proposal or once the order is placed. This may vary subject to the lender/finance company. AA Car Finance and AA Cars are trading names of Used Car Sites Limited (registered in England and Wales number 4546950), a credit broker and not a lender. Used Car Sites Limited is an appointed representative of AA Financial Services Limited for credit broking purposes. AA Financial Services Limited is authorised and regulated by the Financial Conduct Authority (Ref no. 727859). Registered Office: Level 3, Plant, Basing View, Basingstoke, Hampshire, England, RG21 4HG. Registered in England and Wales number 912211. Finance subject to status. Terms and Conditions apply. A guarantee may be required. Over 18s only. PLEASE ENSURE YOU CAN AFFORD THE REPAYMENTS FOR THE DURATION OF A LOAN BEFORE ENTERING INTO A CREDIT AGREEMENT.

Hire Purchase (HP)

HP is a finance plan that allows you to spread the cost of the car by making monthly payments over an agreed term.

You make higher monthly payments than a Personal Contract Purchase (PCP) agreement, so that when you come to the end of the agreement you'll own the car.

Unlike PCP, there are no limits on mileage.

HP could be right for you if want to own the car at the end of the agreement, without the need to make a larger final payment.

  • What does HP stand for?

    HP stands for Hire Purchase. You do not own the vehicle until you have paid the last monthly payment, you effectively 'hire' the vehicle during the HP agreement term, until the final payment when you own the car outright.

  • Can you get HP on a used car?

    Yes, HP agreements are available on both new and used cars, as long as they meet the criteria set out by the finance provider.

  • What is the difference between HP and PCP?

    HP (Hire Purchase) is a finance plan that allows you to spread the cost of the car by making monthly payments over an agreed term. You make higher monthly payments than a PCP agreement, so that when you come to the end of the agreement you'll own the car. Unlike PCP, there are no limits on mileage. HP could be right for you if want to own the car at the end of the agreement, without the need to make a larger final payment.

    PCP is a finance plan where you make equal monthly payments over an agreed term, with a larger final repayment due at the end if you decide to keep the car. At the end of the agreement, you have three options. You can hand the car back to the finance company (the car must be in good condition and within the agreed mileage, otherwise charges may apply), part exchange it for another car on a new agreement (subject to status), or pay the final repayment to own the car. PCP could be right for you if you're thinking of changing your car in the next few years, or if you're unsure whether you want to buy the car at the end of the agreement.

  • Do I need a deposit for an HP deal?

    Yes, it is recommended that you put down a deposit. The size of the deposit effects the size of the monthly payments. The larger the deposit, the lower the monthly payments.

  • Is there a balloon payment?

    No, once you finish the contract you own the car outright.

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