How it works

Application process

Application cans be made online or via telephone all we require is:

  • Basic personal information name, date of birth, etc
  • Your last 3 years home address and working history
  • Details of the vehicle you have chosen from our current stock

Once you are provisionally approved, you will be asked to provide certain documents, these may include:

  • Driving Licence
  • Proof of address
  • Bank details
  • Proof of income
  • Bank statements

The application, approval and complete documentation process typical only takes between 1 – 3 days.

Car Finance Approved
Car Hire Buy Approved

What happens next?

Upon full approval you will be required to sign your Hire 2 Buy agreement. As a regulated agreement its contents and your obligations will be fully explained in accordance with the Financial Conduct Authorities guidelines and the necessary copies given to you.

Upon signing we will prepare your chosen vehicle for collection, ensuring you drive away with:-

  • 12 Months MOT
  • 92 Point Pre Delivery Inspection report
  • 6 Months Road Tax
  • Serviced up to date
  • 2 year MOT, service and maintenance package

Generally this takes 1 – 2 days from sign up and thereafter your vehicle will be available for collection.

What happens upon collection?

  • You must provide a copy of fully comprehensive insurance
  • Any documents for your part exchange (if applicable)
  • Any advance payment (if applicable)
Car Hire Purchase Collection
Car Maintenance Package

What is covered within my maintenance package?

During the 2 year hire term, provided you comply with the Hire 2 Buy Agreement, we will ensure your vehicle is kept legal, safe and fit for road use by way of a mechanical maintenance package. This is included within your regular agreed payments and covers:-

  • Initial 6 months road tax, MOT and service.
  • Scheduled 12 months MOT when renewable
  • Scheduled 6 monthly services

What are my obligations during the hire term?

In addition to ensuring the vehicle is fully comprehensive insured during the term of your hire you are also expected to:-

  • Not exceed the 12,000 mile per annum limit as detailed in the agreement
  • Regularly check oil/water levels and report any defects in a timely manner
  • Avoid any abuse or negligence of the vehicle
  • Make the vehicle available for scheduled MOT and service requirements
  • Ensure the vehicle is taxed during your hire period
  • Make payments in accordance with your agreement

Evidence of failure to adhere to any of the above (as per the terms of your Hire 2 Buy agreement) may render a breach of your agreement and as such may lead to its termination.

What happens at the end of the hire agreement?

After 2 years, at the end of an agreement you will have the option of:

  • Owning the vehicle outright and keeping it for a nominal £1 payment; or
  • Return the vehicle with no further charges; or
  • Use the vehicle as an advance payment to upgrade to your next Hire 2 Buy car.
Car Lease Finance
“I was recommended by friends and family who all couldn’t speak highly enough of the team. They were right, as from start to finish they were excellent.
I really pleased with the new car and won’t hesitate to go back when the times right…”
Lisa, Cradley Heath
Hire Purchase Cars
“Thank you to the Hire 2 Buy team. I knew my financial circumstances would be a challenge and I’d struggled at other places previously, but their approach was a breath of fresh air to me. The maintenance package is huge peace of mind to me as I know I’m on the road for 2 years now with no unexpected costs.
I wouldn’t hesitate to use again or recommend”
Samantha, Wolverhampton
Smart Car Finance
“First class company, they did me proud and I would recommend to anyone.”
Joanne Brown, Dudley