Car finance made simple
At UM Cars in Braintree, we work with a panel of trusted UK lenders to find you a competitive finance deal on any car in our stock. Whether you’re after a small runaround or a family SUV, we’ll help you spread the cost over a term that suits you, with clear monthly payments and no jargon. Every quote is obligation-free — you decide if it’s right for you.
HP and PCP explained
Hire Purchase (HP) splits the cost of the car into equal monthly payments over your chosen term. Once the final payment is made, the car is yours — simple and popular for buyers who want to own the vehicle outright.
Personal Contract Purchase (PCP) usually means lower monthly payments, with a larger optional final payment if you want to keep the car. It’s ideal if you like to change your car every few years. We’ll explain both clearly so you can choose what fits your budget and plans.
Part-exchange and deposits
You can lower your monthly payments by putting down a deposit or using your current car as a deposit through part-exchange. Tell us what you drive and we’ll factor its value into your finance quote.
Bad credit or first-time buyer?
A less-than-perfect credit history doesn’t always mean no. Our lender panel includes options for buyers with adverse credit and first-time applicants, subject to status and affordability. It’s always worth asking — we’ll be honest with you about what’s realistic.
Finance is subject to status and affordability. Applicants must be 18 or over. UM Cars (Ulyses Martin Cars Ltd) is a credit broker, not a lender, and works with a panel of lenders. A representative example is available on request and does not constitute an offer.