Explore Finance Options At Richard Hardie

Finance at Richard Hardie

Whether you are purchasing a new or used vehicle there are a range of different Finance options available to raise the funds.

At Richard Hardie we are able to offer you the following finance options:

• HP (Hire Purchase)
• PCP (Personal Contract Purchase)
• PCH (Personal Contract Hire)
• 0% Finance
• Finance options for customers with a lower credit score

We work with a panel of lenders who consider your individual circumstances, which means you may still be able to access finance even if you’ve had credit challenges in the past.

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Is bad credit car finance possible?

At Richard Hardie, the simple answer is yes, and we are here to help.

We don’t believe your credit rating should be treated as the only "source of truth." We know that life can be unpredictable, and a credit score doesn't always tell the whole story of who you are today. That’s why our approach to car finance is centered on you, not just your paperwork.

We work with a flexible panel of specialist finance providers who look beyond past credit performance. Instead, they take a holistic view of your application, carefully considering your current circumstances and your actual affordability. This ensures that the finance options we provide are not only accessible but also sustainable for your budget.

We want to give everyone the best possible chance to get on the road. To find out where you stand, you can use our simple online eligibility checker. It’s quick to complete and uses a "soft search," meaning you can check your options with total peace of mind, as it will not affect your credit rating regardless of the outcome.

Click here to apply for finance with Richard Hardie