Mallard Finance's new and used cars and vans (up to 3.5 tonnes) via hire purchase for individuals and companies.

What makes us different?

Because we underwrite all applications manually, we will not automatically reject any application and we will listen to what you have to tell us about your circumstances. If you have had credit problems in the past, we may be able to help you where other lenders can’t.

Depending on your credit profile and the vehicle you would like, we can finance vehicles up to 15 years old, and with up to 130,000 miles on the clock.

You don’t necessarily need a deposit to obtain finance with us.

If you are in negative equity, we may be able to help you to change cars by settling your existing finance for you. Whether we will be able to do this will depend on your circumstances.

We can provide advances with a minimum of £2000.

How hire purchase works

Hire purchase is a popular way of spreading the cost of a car. We pay the supplying dealer for the car (minus any deposit you have paid) and you repay us, with interest, over a fixed term between 18 and 60 months.

You will know exactly how much you have to pay us each month, meaning that you can budget easily and work out which car you can afford. There are no hidden extras or charges.

With hire purchase, you will own the vehicle outright at the end the agreement and non-business customers benefit from protection under the Consumer Credit Act.

It’s important to remember that you will be required to keep up repayments for the whole term, even if your circumstances change. Also, you will not have any protection against an unexpected fall in value of the vehicle during a hire purchase agreement. If you don’t keep to your side of the agreement, we may repossess the car from you.