Finance FAQs

The Motorworks offers multiple finance solutions to help you buy your next used car. You can choose between Hire Purchase (HP) - where you'll own the car at the end of the agreement - and Personal Contract Purchase (PCP) - which often gives you lower monthly payments and the option to hand the car back at the end of the term.

Yes. You can use The Motorworks online car finance calculator to work out your likely monthly payments based on your deposit, chosen car, and term length. This helps you plan your budget before you apply.

Typically, yes, but not always - a deposit will reduce the amount you need to borrow and can lower your monthly payments.

If you plan to use The Motorworks finance options, you'll likely need your driving licence and a secondary form of ID (e.g., passport) when visiting the showroom to finalise the agreement.

The Motorworks is authorised and regulated as a credit broker, not a lender. They work with a panel of selected lenders and will show you suitable finance options, but the products offered may not always be the most competitive across the entire market. They disclose any commissions and incentives they receive from lenders before you sign your agreement.

Yes - However, you need to be conscious of the finance company's turnaround time which may take a couple of hours. You also need to sign the documentation (usually electronically) to complete all finance paperwork and take your car away the same day.