Explore refinancing options.

If your circumstances or available rates have changed since taking out your existing finance, you may wish to check whether refinancing could reduce your borrowing costs. Refinancing replaces your existing finance agreement with a new agreement. Depending on your circumstances and the rates available, this may reduce your monthly payments and/or overall borrowing costs.

Check eligibility → How it works

Why refinance

Common reasons to refinance

Your credit profile or market rates have improved. If your circumstances have changed or market rates are more favourable than when you signed, you may qualify for a more competitive APR across our lender panel.
Your balloon payment is approaching. If you wish to keep the car at the end of a PCP deal without paying a large lump sum, you can refinance that final payment into structured monthly instalments.

Refinancing can help you lower monthly payments or spread the cost of keeping your vehicle over a longer term.

PCP & HPoptions to spread balloon or lower monthlies

The process

Four steps, simple and clear.

Step 1Get your settlement figure

Ask your current lender what it costs to settle today. They are legally required to provide this settlement figure upon request.

Step 2Check eligibility with a soft search

Run our check in around 60 seconds. We search our panel of lenders against your settlement figure without affecting your credit score.

Step 3Settling the existing agreement

If you choose to accept an offer, the new lender pays off your existing finance agreement directly.

Step 4Manage your monthly budget

You may be able to reduce your interest costs or monthly payments, depending on the terms available to you.

Check your
refinancing options.

An initial soft search against your settlement figure, with no score impact.

Check eligibility →