New Car Finance Options for Blue Light Members

Deciding how to finance your new car is an important decision and we are here to help find the right solution for you.

We work with many lenders to offer special Blue Light rates and different types of finance to suit all Blue Light Card members. Our finance partners include Northridge, BNP Paribas, Santander, CA Auto, Motonovo, Alphera, Mann Island, Close Brothers, and all manufacturer-led finance services, to name just a few.

We offer multiple finance options including Hire Purchase, Personal Contract Purchase and Personal Contract Hire, all of which are further explained below.

Whether you're looking for a reliable everyday runaround, a family SUV, or something more premium, our Blue Light finance rates are available across some of the UK's most popular brands:

Ford Honda Toyota Suzuki Audi Volkswagen BYD

And many more, whatever your budget or lifestyle, there's a Blue Light deal waiting for you.

 Browse Blue Light Special Offers 

Not sure if you can get finance?

Use our pre-approval service to find out now. Our soft search facility will not adversely affect your credit profile or your ability to obtain finance in the future.

Even if you have been declined credit elsewhere, we may still be able to help you.

Click here to get started now.

Hire Purchase (HP)

Hire Purchase is one of the most straightforward ways to finance your next car. You pay in fixed monthly instalments over an agreed term, and at the end of the agreement — the car is yours outright. For Blue Light members who want simplicity and long-term ownership without the complexity, HP is often the ideal choice.

Why is HP a great fit for Blue Light members?

  • No mileage restrictions whether you're commuting to long shifts or travelling between sites, you won't be penalised for the miles you cover
  • Exclusive Blue Light rates we work with specialist lenders to secure competitive fixed interest rates that reflect the value of your service
  • Low deposits available helpful if you're balancing other financial commitments on a public sector salary
  • Flexible terms from 12 to 60 months structure your repayments around what works for your household budget
  • Full ownership at the end ideal if you want to keep the car long-term or avoid ongoing finance commitments
  • Settle early at any time useful if your circumstances change, such as a shift in hours or a career move within the emergency services
  • Buy now, pay later options available giving you flexibility when you need a car quickly, such as starting a new role

Things to Consider +

A few things to keep in mind:

  • Monthly payments can be higher than PCP since you're paying off the full value of the car, though our Blue Light discounts help offset this from the outset
  • The car can't be sold until the finance is fully settled, so it's best suited to those planning to keep their vehicle for the duration of the term
  • You won't legally own the car until the final payment is made, though you have full use of it throughout

Personal Contract Purchase (PCP)

With PCP finance, you pay a lower monthly fee compared to Hire Purchase, with the option, but not the obligation, to buy the car at the end of the agreement for a Guaranteed Future Value (GFV). For Blue Light members who want to keep monthly costs down while still having the flexibility to own, upgrade, or simply hand back, PCP is one of the most popular choices we see across NHS staff, emergency services, and other keyworkers.

At the end of your agreement you'll have three options:

  1. Own the car outright by paying the Guaranteed Future Value
  2. Hand the car back with nothing further to pay (subject to condition and mileage)
  3. Part exchange into your next car and roll any equity into a new deal

Why is PCP a great fit for Blue Light members?

  • Lower monthly payments because you're only financing the depreciation, not the full car value, making it easier to manage on a public sector salary
  • Exclusive Blue Light pricing reduces your GFV gap — our discounts mean you're starting from a lower price, so your monthly payments and final balloon are more competitive than a standard PCP deal
  • Flexibility at the end of the term — upgrade to a newer model when your contract ends, ideal if your needs change with a new role, growing family, or shift pattern
  • Protected from market fluctuations — your Guaranteed Future Value is fixed at the start, so you're not exposed to unexpected drops in used car values
  • Low initial deposit — helpful when you need a reliable car quickly without a large upfront commitment

Things to Consider +

A few things to keep in mind:

  • Mileage allowance is agreed upfront if your role involves high mileage, such as community nursing, on-call call-outs, or travelling between sites, make sure your agreed annual mileage reflects your real-world usage to avoid excess charges at the end
  • You don't own the car during the agreement if ownership is important to you, HP may be a better fit
  • A balloon payment is required to own the car outright if you plan to keep the vehicle at the end, factor the GFV into your longer-term budget planning

Personal Contract Hire (PCH) / Leasing

With contract hire you literally hire your car for the term of your agreement, returning your car at the end. A PCH contract is tailored to you, setting your annual mileage and term. Our PCH agreements all include warranty; road tax and breakdown cover and you can choose to add a maintenance package if you wish.

Why would PCH be good for me?

  • Lower monthly payments than if you were buying the car
  • Maintenance packages available, eliminating unexpected repair bills
  • No worries about reselling your vehicle in the future

Check out our top car leasing deals & offers available today.

Things to Consider +

  • You will need to agree an annual mileage allowance at the beginning of the contract – There will be charges if you exceed the agreed annual mileage
  • You cannot keep the car at the end of the agreement

Buying a car on Finance: your options compared

Monthly paymentsDeposit requiredDo you own the car?Mileage limitDamage charges
Hire Purchase (HP)HigherNoYes - at endNoNo
Personal Contract Purchase (PCP)LowerNoOptionalYes*Yes*
Personal Contract Hire / Leasing (PCH)LowerYesNoYesYes

*Only if the car is returned or traded in

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