Pickups
Finance for pickups and double cabs
Pickups sit awkwardly between car and commercial vehicle, and that affects both the finance product and the tax treatment. Getting the structure right matters more than usual.
- Personal and business
- Commercial finance available
- New and used
Finance Calculator
What could Hire Purchase cost?
Your illustration
- Amount of credit
- £14,000
- Illustrative APR
- 9.9%
- Total charge for credit
- £2,876.36
- Total amount payable
- £17,876.36
- 48 monthly payments of
- £351.57
Includes a £1 option to purchase fee. An illustration only — not a quote and not an offer of credit. Your rate depends on your circumstances and the lender. Finance is subject to status and income. Q-Finance is a credit broker, not a lender.
Q-Finance is a credit broker, not a lender. Our rates start from 8.9% APR. The rate you are offered will depend on your individual circumstances. Representative Example: Borrowing £8,000 over 60 months with a representative APR of 18.8%, the amount payable would be £200.34 a month, with a total cost of credit of £4,020.11 and a total amount payable of £12,020.11.
Ready to apply?
Structure it properly
Personal or business, we will talk through which route fits before you commit.
Personal or business finance
If you are buying as an individual, standard consumer finance applies, with the consumer protections that come with it. If the vehicle is for a business, commercial finance products may be available and may suit better.
| Consumer finance | Business finance | |
|---|---|---|
| Who it is for | Individuals | Sole traders, partnerships, limited companies |
| Consumer Credit Act protection | Yes | Generally not |
| VAT treatment | Not reclaimable | May be reclaimable — check with your accountant |
| Typical products | HP, PCP, personal loan | HP, lease purchase, contract hire |
What lenders look at
- Whether the vehicle is for personal or business use.
- Payload and body type, which can determine how it is classified.
- Age and mileage at the end of the proposed term.
- Any modifications — canopies, racks, tow equipment and liners are common and usually fine, but declare them.
Common questions
Related reading
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4x4 and SUV
4x4 Finance
Finance for 4x4s and SUVs, including working vehicles and agricultural use. What lenders consider and how modifications affect an application.
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Used car finance
Used Car Finance
Finance a used car from a dealership or privately. Hire purchase, PCP and personal loans from a panel of lenders, with a soft search that won't affect your credit score.
Ready to apply?
Structure it properly
Personal or business, we will talk through which route fits before you commit.