Simple vehicle Finance
Apply for finance today without impacting your credit score
Looking for a vehicle but not quite sure what you want? We can put a line of credit in place so you can find a vehicle that fits your budget. Our friendly and helpful team will even help you in the search for your new vehicle
Have you been accepted for finance already but they won’t finance the car or van you like because it may be slightly older or have a higher mileage than they allow? Give us a try as we often finance these types of vehicles that fall out of scope for many other finance options.
Do you have a vehicle on finance already and are looking to refinance or have a balloon payment coming due? Then give us a try as we can probably help.
Hire purchase explained
Hire Purchase (HP) lets you spread the cost of your vehicle, plus any interest and the option to purchase fee at the end. No minimum deposit is usually required, so you can choose to either finance the vehicle entirely, or put down a deposit to reduce the monthly payments.
Once you have paid off the finance agreement, and settled the option to purchase fee, the vehicle becomes yours.
- Nil deposit
- Equal repayments, which can be spread over 24 to 60 months to suit your budget
- No mileage restrictions
- Option to pay off the full agreement early with no penalty charge
- You will own the vehicle at the end once you have made all the payments
Remember
Finance is subject to affordability checks and is only available to residents of England and Wales aged 18 and over.
If you don’t keep up with your repayments, the vehicle may be repossessed.
You don’t own the vehicle until you’ve fully repaid the finance and the option to purchase fee at the end.
we pride ourselves on our excellent service
Here’s what our customers have to say
403 Google reviews
“This company is absolutely wonderful. If I could rate them 100 stars I would. My old car was written off. In under 3 hours they had approved me and within 24 hours my new car was bought. Everyone from their sales team to their payments team handled everything with professionalism rating seen these days. Mallard will be my choice from now on and I will ensure everyone I know, knows of Mallard. Just fantastic !”
TheTartan Con Google Reviews
“I’m so glad I chose this company to help finance my car. From the very beginning, they showed exceptional care and dedication in helping me choose the best financing option. They took the time to understand my personal needs and preferences, offering advice that was both thoughtful and informative. What really stood out to me was how they treated every detail with such care and handled everything in a completely non-judgmental way. Their customer-first approach made the entire process smooth, easy, and stress-free. I highly recommend them to anyone looking for a personalized and supportive experience when financing a car!”
Daniella R Rodriguez Google Review
“I found your customer’s service excellent and you also went above and beyound providing help to me yo complete the documentations that were required. I only have good words to say about your service and yes I would recommend friends and family to your financial service Thank you again for your help and assistance.”
S Hewitt Google Reviews
“This is my second time of using Mallard to purchase a vehicle. The service has been exceptional, from initial enquiry to pay out on a vehicle has only taken 4days and the only delay was me deciding which car to have. The whole process from being approved, providing the required documents to completion has run without any drama. The team have gone above and beyond and made my stressful situation disappear overnight, a huge weight lifted allowing me to concentrate on family and work. Thank you”
Sarah Smith Google Reviews
“Was so happy with the service and how efficient they were, they made it a easy experience for me”
Micky Playz Google Review
“Great company, lots of helpful staff and they will go out of their way to try to help which is always appreciated. Keep up the good work guys, Liam is excellent.”
Callum H Google Reviews
“Fantastic service. Lovely knowledge people with an exceptionally easy system to upload all documents needed. Highly recommend”
Beth Google Reviews
“Very straightforward process, all sorted in less than 24 hours. Would definitely recommend, staff were very informative and helpful.”
Laura Milroy Google Reviews