FCA Regulated Credit Broker

Drive away on flexible car finance.

HP and PCP packages tailored to you. Low deposits, fast decisions, and a broad panel of UK lenders — including options for good and poor credit. No obligation to proceed.

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£0

Deposits from

60s

Initial decision

All

Credit profiles

Finance Products

Two flexible ways to drive your next car.

Hire Purchase

Own the car outright.

Pay a deposit followed by fixed monthly payments over a term of your choosing (typically 24–60 months). Once the final payment clears, the car is yours — no balloon, no surprises.

✓Fixed, predictable monthly payments
✓No mileage restrictions
✓Own the car at the end of the term
✓Settle early at any time

Personal Contract Purchase

PCP

Lower monthly payments, more flexibility.

Pay a deposit, then lower monthly payments because a final 'balloon' (Guaranteed Future Value) is deferred. At the end, choose to own, return, or part-exchange the vehicle.

✓Typically lower monthly payments than HP
✓Choose to keep, return or trade in at the end
✓Annual mileage agreed upfront
✓Great for changing your car every 2–4 years

Why Trust Line

Finance the Trust Line way.

Broad lender panel

We work with established UK lenders, finding you a competitive rate across HP and PCP.

Low-deposit packages

Deposits from £0 on selected vehicles, subject to status — keeping cash in your pocket.

Good or poor credit

We can place applicants with previous CCJs, defaults or limited credit history.

Fast, no-obligation decisions

Most decisions in minutes. You're never tied in until you sign the agreement.

Honest, FCA-regulated advice

We are an FCA authorised credit broker and treat customers fairly at every step.

Drive away the same day

Once approved, you can collect the keys at our Bourne Hill showroom — often the same day.

Finance Calculator

Plan your monthly payment.

For illustration only — your final quote will depend on lender and personal circumstances.

Vehicle Price£15,000

Deposit£1,500

Term (months)48 mo

Representative APR12.9%

Your estimated payment

£361.50

per month over 48 months

Amount of credit: £13,500
Total interest: £3,852
Total amount payable: £18,852

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Illustration only. Actual rates depend on lender, vehicle and individual circumstances. Subject to status.

Customer Stories

From people we've helped drive away.

"Approved on the same day with a deposit I could actually afford. The team explained every line of the agreement before I signed."

Daniel R.

Audi A4 on HP

"I'd been turned down elsewhere because of an old default. Trust Line found me a lender and the payments fit my budget perfectly."

Aysha K.

Range Rover Evoque on PCP

"Honest, no-pressure advice. They walked me through HP vs PCP until I understood which suited me best."

Michael T.

BMW 3 Series on PCP

Finance FAQs

Your questions, answered.

Apply Today

Start your finance enquiry.

Complete the form and our finance team will be in touch within one working hour. No obligation, no impact on your credit file at this stage.

Speak to us directly07376 595544

Visit the showroom5 Bourne Hill, London N13 4DA