Finance Personal to you

With flexible ownership options, your next adventure is only one click away. Get a great deal on your new car today!

Live for the moment and enjoy that new car feeling with FOW

There’s no better feeling than getting behind the wheel of your new car. Adventures away with friends and family, the open road with the sun beating down, commuting to the office and even the school run. The joy of car ownership has only begun, and at FOW, we’re here to help you secure the car of your dreams with a fantastic selection of nearly new car finance options.

Talking of options, we’ve got loads - each personalised to you with PCP and HP options available. Lock in a great finance rate and enjoy fixed repayments - at FOW you’re in the driver’s seat

Because our terms are flexible, repayments can be spread over any period between 24 and 60 months (HP) and up to 48 months on a PCP. And with finance solutions starting from just 12.9% APR it couldn’t be any easier to secure a great deal on your new car. Remember you can perform a FREE credit check, apply for finance online or chat to our product specialists - at FOW we’re here to help.

Lucky Dip £250 p/m

£350 p/m £500 p/m


Finance designed around you. Flexible, easy and hassle free - this is FOW

Get a great deal on your new car and enjoy fixed, affordable repayments on your terms.

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Flexible PCP and HP options personal to you

With over 60 years experience, you can join the thousands of customers who got a great finance deal from FOW. Stay in control and choose a PCP or HP deal to match your budget and lifestyle - remember you can reserve any car for FREE with FOW for up to 48 hours.

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Get a great finance deal with FOW. Flexible finance on your terms.

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What is PCP car finance?

PCP finance is an exciting opportunity to get behind the wheel of your dream car. A Personal Contract Purchase (PCP) is a great option if you like to change your car regularly with flexible ownership options to match your lifestyle. If your circumstances change, a PCP agreement gives you more freedom to secure a new deal.

Because it’s so flexible, we’ll guarantee the value of your new car - this is called a Guaranteed Future Value (GFV) or optional final payment - this is based on your annual mileage and term. Naturally, at the end of the agreement, you can simply part exchange, pay the optional final payment, refinance this figure or simply hand the car back to the finance company.

Remember, at FOW you only need a £99 deposit, and with fixed monthly repayments over the term you can lock in your interest rate with affordable repayments at a great rate.

Of course, a PCP has its benefits - repayments are usually lower vs an HP agreement, you’ll have flexible ownership options once the final payment is made and can even refinance the optional final payment if you’re happy with the car.

Join the thousands of happy customers who got a great PCP finance deal with FOW. Apply online or speak to our product specialists in Winsford, Cheshire or Trafford, Manchester.


What is HP car finance?

Enjoy the familiarity of a car and want to own it outright? An HP agreement is for you. Hire Purchase (HP) finance allows you to lock in your interest rate (similar to a PCP), the only difference being you have no optional final payment. Instead, you simply choose your deposit with repayments calculated based on your term.

Unlike a PCP there’s no mileage limit to worry about, and no ‘optional final payment’ - instead you’ll own the car once your final payment is made. With an HP agreement, you also have the flexibility to adjust your term, up to a maximum of 5 years (60 months) and lock in a great finance rate for the entire term.

Remember, with an HP car finance agreement, you have the flexibility to leave as much or as little deposit as you like. At FOW deposits start from just £99, and because you’re in the driver’s seat you have the freedom to reduce your repayments or put some savings aside for a rainy day.

Apply or perform a FREE credit check online quickly and easily. Our product specialist team are happy to discuss your options and help you drive away in your perfect car with affordable repayments. Speak to our team in Winsford, Cheshire and Trafford, Manchester, or apply online - remember you’ll enjoy award winning service throughout your experience.


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Low Deposit

With deposits starting from just £99, you're in control.

Let's talk finance - what do I need to know?

Finance made easy - this is FOW.

Should I buy a used car on finance?

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Can I transfer my existing finance to another car?

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What do I need to apply for finance?

Flexible PCP and HP car finance to match your budget and lifestyle.

Get a great finance deal on your new car with FOW - remember deposits start from just £99.

Award winning Car Supermarket - this is FOW.

That’s why thousands choose FOW for their new car - we’ve perfected car shopping for over 60 years.

By the way, we have thousands of models to choose from, each one prepared to the highest standard alongside a tailored approach to customer care.

Of course, at FOW we’re here with you for the journey and have been recognised as one of the most enjoyable destinations for used car shopping. So much so we’ve won awards for our service, customer care and attention to detail to ensure you have the best possible experience.

Retailer of the Year - 2022

Customer Care Award 2022

Digital Initiative of the Year - 2022

Online Consumer Experience of the Year - 2022

Customer Care Award - 100+ Vehicles - 2022

Car Supermarket of the Year - 2022

Social Media Campaign of the Year - 2022

Auto Trader Highly Rated - 2020, 2021 and 2022