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Hire Purchase (HP) is the traditional way to finance a car. HP is very similar to borrowing a sum of money from a bank and paying it back over a fixed period of time, with interest.

Hire purchase is a type of secured loan which are often preferred over unsecured loans because they allow a greater borrowing limit and increase levels of acceptance. The term "secured loan" means, a loan that the lender can secure against an asset, in this case, a car.


SJ Rayner (cars) have a dedicated team of finance experts waiting to help with your enquiry.


We have relationships with high street lenders and specialist motoring finance houses too, that is why we have helped hundreds of customers secure the best finance deal for their budget.


Our expertise with finance means that even if you have a poor credit rating we can help arrange finance for you.


MotoNovo Finance

So much more than finance


Thousands of customers choose MotoNovo Finance every week to buy their next car, van or motorbike. We offer a range of relevant products and services quickly, efficiently and competitively and have been doing so for over 40 years.


We aim to be as helpful as possible when it comes to finance. Please watch our finance videos for more information regarding our services and products.


Complete our simple online form below and once submitted, we will get back to you as soon as possible.





When you apply to us for car credit you can be sure that no other specialist car finance company works harder to get you the credit approval you need to buy the car you want!


Even if you've been refused for car credit elsewhere due to CCJ's - Poor Credit History - Ex- bankrupt - Self Employment - Armed Forces - Provisional or EU License or any other reason it doesn't matter to us. We have relationships with lenders that brokers don't.


We also know how important it is to stock a wide range of vehicles in order to satisfy the needs of our customers. So whether you need an affordable family saloon, or an economical hatchback you should make us your first and only call.


Re-payment terms are agreed to suit your household budget. All of the cars we sell undergo a rigorous pre-delivery safety inspection and we provide a free mechanical breakdown warranty with every car!


Subject to terms and conditions.


Please note: If you are arranging your own finance through a 3rd party such as Zuto, CarMoney or Car Finance 247 then an admin fee of £200 will apply which is payable upfront.