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Car Finance for Military

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Making your car finance more convenient and affordable


Looking for car finance an an Armed forces Personnel?
 Our resource section explains everything service members and veterans need to know about car loans and payment options. We understand military pay structures and benefits to help you make the right choice.

When you're ready, we'll run a soft credit check to show you available deals - this won't impact your credit score or security clearance.

Getting started is straightforward - call us or complete our online form. Our military specialist team will guide you through the process efficiently and professionally.
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What Makes Our Car Finance So Special for Armed Forces?

Exclusive Discount
Exclusive Discount for Armed Forces
We offer exclusive discounts on car finance for all armed forces personnel, active service members, veterans, and reservists.
Competitive and Transparent Pricing
Competitive and Transparent Pricing
With no hidden costs and access to a wide range of lenders, we can offer the best terms for you.
Dedicated Support
Dedicated Support
Our dedicated team understands your unique military requirements. We provide expert guidance from application through to delivery, ensuring a smooth process.
Streamlined and Efficient Process
Streamline Process
We value your time. Our one step application form simplifies your car finance journey.

Choose from different types of finance to match your needs

At Motorfinity, we offer a variety of finance options to cater for your diverse needs. Our diverse finance choices allow you as a army personnel to select a plan that best fits their budget and lifestyle.

What is Personal Contract Purchase (PCP)?

When to go for PCP

When not to go for PCP

Personal Contract Purchase (PCP) is a finance type that allows the cost to be spread over time. Its payment structure includes a deposit which is then followed by monthly payments. At the end of contract, you have the option to either trade in, buy outright, or return the car.

PCP is ideal in the following scenario

  • When you want your finance option to have lower monthly payments.
  • When you want flexibility in your finance plan, PCP allows you to either swap or return or buy outright at the end of the purchase.
  • It is ideal when you need the vehicle for a fixed amount of time.

Consider the following scenerios:

  • Uncertain Future Needs: If you are not sure about your future vehicle needs or financial situation, committing to a PCP agreement might be risky.

What is Hire Purchase (HP)?

When to go for HP

When not to go for HP

Hire Purchase is similar to PCP as it also include a deposit and monthly repayments. The Key difference is that in HP you get the total ownership of the car. It also does not include the uncertainty of a balloon payment at the end of the contract.

HP is ideal in the following scenarios:

  • Desire for Ownership: If your primary objective is to own the car at the end of the finance term, then HP is a good option.
  • Ability to Manage Regular Payments: If you are comfortable with making regular, fixed monthly payments and can commit to the duration of the agreement, then HP can be a good option.
  • Long Term Investment: If you want to keep the car at the end of the agreement and prefer not to change your vehicle frequently, then HP is a good option.

You should not go for HP in the following scenerios:

  • Lower Monthly Payments: If you want lower monthly payments, then HP is not a good option.
  • Short Term Usage Need: If you only need a car for a short period, HP is not ideal due to its long term ownership focus. Renting or short term leasing is suitable in this scenerio.
  • Financial Instability: If your financial situation is uncertain, and you are unsure about commiting to a long term financial agreement, HP may not be the best choice.

What is Personal Contract Hire (PCH)?

When to go for PCH

When not to go for PCH

PCH is an agreement where Motorfinity, the lessor, leases a vehicle to you, the lessee. Essentially, you get to use the car for a set period, typically 2-3 years, against a monthly fee. During this time, you are responsible for the car's maintenance and repairs unless you opt for a maintenance package.

PCH is ideal in the following scenarios:

  • Desire for Newer Models: If you are someone who likes to change your car quite frequently, then PCH is an ideal choice. It allows you to drive a new car every few years without worrying about resale value or depreciation.
  • Budget Management: PCH offers lower monthly payments compared to buying a car outright, making it a budget friendly option.
  • At Motorfinity Leasing, we offer maintenance packages. We recommend this if you prefer a consistent budget without the potential financial surprises associated with car ownership.

You should not go for PCH in the following scenerios:

  • Tight Budget and Financial Constraints: If you are on a tight budget, extra costs for exceeding mileage or wear and tear on a leased vehicle can be costly.
  • Preference for Vehicle Customisation: If modifying your vehicle is important to you - whether for comfort, functionality, or aesthetics - PCH will not meet your requirements.
  • Long Term Cost Effectiveness: If you are looking for a cost effective option in the long run, PCH is not a best choice.

Make a comprehensive decision based on your needs

Features:Hire Purchase (HP)Personal Contract Purchase (PCP)Personal Contract Hire (PCH)/Leasing
Required Initial DepositOptionalOptionalRequired
Car is yours at the end of the agreementOptional
Fixed Monthly Payments
Avoid (final) Balloon Payment
Avoid excess mileage charge
Secured against an asset (e.g. a Car)
Support with vehicle issuesDepends on the Provider

Browse Our Selection of Cars

 Ready to find your next ride? Browse our diverse range of cars to discover your perfect match. 
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