Car finance calculator - Hartlepool

Must be between £3,000 to £50,000
Must be between £100 to £10,000 and difference between borrow and deposit must be £5,000
24month
36month
48month
60month
We are a credit broker not a lender

These estimates are subject to credit checks and may change when you apply for finance. this is for example purposes only

Hire Purchase (HP)
APR 11.9%

60 monthly payments of

£0


Interest rate
11.9% APR
Amount of interest
£0
Total payment
£0
Personal Contract Purchase (PCP)
APR 11.9%

60 monthly payments of

£0


Optional final payment
£0
Interest rate
11.9% APR
Amount of interest
£0
Total payment
£0

Rates from 9.9% APR: the exact rate you will be offered will be based on your circumstances, subject to status. Representative example: borrowing £7,000 over 5 years with a representative APR of 21.9%, the annual interest rate of 21.9% (Fixed) and a deposit of £0, the amount payable would be £185.33 per month, with a total cost of credit of£4,119.81 and a total amount payable of £11,119.81. We look to find the best rate from our panel of lenders and will offer you the best deal that you're eligible for. We receive a fixed fee commission per finance agreement, or we receive a commission based on a percentage of the total amount of finance taken. This will not affect the interest rate offered or the total amount repayable. Our service is free.

At Carplus, we help people in Hartlepool get car finance that works for them. We're a UK finance broker with access to a wide range of lenders, including options for poor credit or no deposit. You don’t need to know exactly what you want—we’ll help you find a car that fits your lifestyle and monthly budget. Big or small, practical or sporty, we’ll guide you towards something that makes sense.

You won’t have to work it out alone. We explain everything clearly—interest rates, repayment terms, what to expect. No pressure, no jargon. And if you're still browsing cars on finance, we’ll help you compare models and match them with the right plan. We make financing cars in Hartlepool simple and tailored to you.

Types of car financing we offer in Hartlepool

HP car finance deals

At Carplus, we offer Hire Purchase (HP) car finance to customers in Hartlepool who want clear ownership from the start. With HP, you make fixed monthly payments over an agreed term. Once the final instalment is paid, the car is legally yours. There are no mileage limits, and you don’t have to worry about returning the vehicle or paying a lump sum at the end.

Take a £31,000 car financed over 6 years. An HP agreement could mean monthly payments of around £520, depending on your credit profile and deposit. You make steady payments, and at the end, you drive away with full ownership—no extra fees, no complications.

PCP car finance deals

Personal Contract Purchase (PCP) is ideal if you want lower monthly payments and more flexibility at the end of the agreement. With PCP, your payments cover part of the car’s value rather than the full amount. You pay a deposit, monthly instalments, and at the end, you choose to return the car, trade it in, or pay a balloon payment to keep it.

For the same £31,000 car over 6 years, PCP might mean payments of around £380 per month, with a final payment if you decide to keep the car. It’s a good option if you plan to upgrade your car regularly or want to keep your monthly costs down.

Bad credit car finance deals in Hartlepool

At Carplus, we help people in Hartlepool get bad credit car finance when their credit history isn’t perfect. Bad credit can happen for many reasons: missed payments, defaults, a CCJ, or simply a limited credit record. It doesn’t mean you can’t move forward. We’ve already helped over 1,200 local drivers find car finance that works for their budget and situation. And with access to dealers across the UK and trusted partners here in Hartlepool, we offer plenty of choice for cars on finance and flexible plans.

We focus on what matters now: your income, your goals, and what you can comfortably afford. Our team makes the process clear from the start. We’ll explain your options, guide you through the paperwork, and help you pick a car if you’re not sure what to look for.

No-deposit car finance deals in Hartlepool

At Carplus, we offer no deposit car finance in Hartlepool, so you can get the car you need without paying anything upfront. You spread the entire cost through fixed monthly payments, which makes it easier to plan your budget and avoid large one-off expenses. This option can be helpful if you’ve had trouble saving or need a car quickly for work or family. And because you don’t have to wait to build a deposit, you can move forward sooner.

We know many drivers have faced financial challenges. That’s why we work with lenders who understand real-life situations and offer no deposit car finance to people with bad credit. Our network includes both national providers and local Hartlepool dealers offering flexible, unsecured finance solutions.

Get no credit check car finance deals in Hartlepool

At Carplus, we offer no credit check car finance in Hartlepool through lenders that focus on what you can afford today. We only carry out a soft credit check when you apply, which doesn’t leave a mark on your credit file or affect your score. A soft check gives us enough information to match you with suitable lenders without the pressure of a full search.

Some lenders may carry out a hard credit check later, but only if you decide to go ahead. You stay in control at every stage. And with access to a wide network of UK dealers, we help you find both the car and finance plan that work for you.

Carplus offers used cars on finance in Hartlepool!

At Carplus, we make it simple to get used cars on finance in Hartlepool. Our dealer network offers a wide selection of models, including the Peugeot 208, Hyundai Tucson, Skoda Octavia, and Renault Captur. Whether you’re after a compact city car, a spacious SUV, or something in between, we’ll help you find it.

You choose the car and we’ll sort the finance. We build each plan around your budget, not just your credit history.

What documents do I need to get car finance in Hartlepool?

To get car finance in Hartlepool with Carplus, you only need a few basic documents. Nothing complicated—just the essentials to get your application moving quickly. Here’s what you’ll need:

  • Proof that you earn at least £1,200 a month
  • Your full name and age (18 to 75)
  • Your mobile number and email address
  • A valid UK driving licence
  • Your job details
  • Proof you’ve lived in the UK for at least 12 months

Why work with Carplus in Hartlepool?

At Carplus, we make car finance simple, flexible, and built around you. We listen to your needs, explain your options, and match you with lenders who consider more than just your credit score. And with access to trusted dealers in Hartlepool and across the UK, you’ll get plenty of choice when it comes to cars and finance plans.

You focus on picking the right car. We’ll handle the paperwork, the lender search, and the numbers.

Who can get car finance in Hartlepool

Unemployed
Self-employed
In part time employment
Zero hours contracts
In receipt of benefit
Young drivers
Retired drivers
Provisional license holders
Carers allowance
Disability allowance
Ex bankrupt
Bad credit ratings
No credit history
Military/Armed forces

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Choose Carplus for a seamless and customer-focused car finance experience in Hartlepool.

Hartlepool Motor Company Limited

6 Usworth Rd, Hartlepool TS25 1PD, UK

Green Street Car Sales

Green St, Hartlepool TS24 7LD, UK

H. Tones - Oxford Garage

1 Oxford Rd, Hartlepool TS25 5SS, UK

Throston Motors

12, Blackhall Colliery Industrial Estate, Hackworth Rd, Blackhall Colliery, Hartlepool TS27 4EL, UK

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