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PCP Finance

Keep your Car

pcp balloon payment finance

Apply for PCP Finance

Step 1

Complete our Online Application Form

PCP finance - If you want to keep the car that you've financed on a PCP deal, you'll need to pay the balloon payment that's due at the end of the term. We can help. CarFinance2u offers PCP balloon payment finance so all you need to do is to use our online application form below. We typically give you a decision within minutes and you can borrow between £2,000 and £50,000 to pay off your balloon payment.

Don't worry if you don't have a perfect credit score, we have a large range of lenders who specialise in providing PCP balloon payment finance to people with all kinds of financial circumstances. Maybe you've missed the odd payment on your credit card or mobile phone bill, don't stress, we can still often help. Our process is quick and easy, plus we have dedicated relationship managers to support your application.

So don't delay, apply today using this online application form.

Step 2

Receive Your Decision

Once you've completed our online application form, your dedicated relationship manager will be in touch with you to inform you of the outcome of your application. If you've previously had an application for a PCP balloon payment loan refused elsewhere, don't worry, it's still worth applying to CarFinance2u. We work with a large range of lenders, some of which specialise in securing finance for people with bad credit and other circumstances. Whatever yours are, we'll do our best to find a PCP balloon payment finance deal for you, so don't delay, apply today.

Once you've had your PCP balloon payment finance application accepted, one of our dedicated account managers will work with you to get the deal finalised. With your balloon payment finance sorted, you can continue to enjoy your car. You'll then make monthly payments to the balloon payment finance company, until you've paid the total amount owed. We offer balloon payment loans which can be repaid over a period of between 1 and 5 years. If you have any unanswered questions, refer to our Help & Advice section below.

Help & Advice

How We Work

What gets us up in the morning is our enthusiasm to get our customers the most suitable balloon payment finance package from our range of over 90 lender products. You will be allocated a dedicated relationship manager who will look carefully at your application with a view to sourcing balloon payment finance from the most appropriate funder.

This individual will be your dedicated point of contact and will make the whole process very easy and straight forward. We believe in doing things the old fashioned way with a person, rather than a computer, working to get you the best deal available.

Want To Chat With Us Now?

Our customer service team is available Monday to Thursday 10am to 7pm, Friday 10am to 6pm and Saturday 9am to 5.30pm, so if you have a question you want answering straight away, call us on 0151 705 6778 or use our chat facility by clicking on the chat icon at the bottom right hand corner of the screen. If we're not available, you can leave us a message and we'll quickly get back to you.


After you've applied, to secure the balloon payment finance, a lender will ask for three categories of documentation; proof of driving licence, proof of income and proof of address. We can help to further advise you on the specific documentation you'll need once your car finance application has been approved. Different lenders ask for different documentation but they will fall into the three categories named above.
You must be aged 18 or over to apply for balloon payment finance.
Our wide range of lenders cater for all kinds of different employment circumstances, so whether you're employed full-time or part-time, or self-employed, we are likely to have a balloon payment finance solution for you.

Your Credit Status

Your credit score is a rating system which reflects how well you have managed the repayment of loans and other forms of credit over the last six years.

If you have always repaid your loans, credit cards and other debts on time, you'll likely have a good credit score. If, however, you have missed payments or defaulted on loans altogether, your credit score will have been adversely affected.

Typically, the higher your credit score, the better your chances of having your application for car finance approved. Even if your credit score is poor, or if you've been refused elsewhere, CarFinance2u may still be able to help you and we've already helped thousands like you. We have a wide range of lenders, some of whom specialise in helping people with poor credit to secure car finance. So don't delay, apply for car finance today, with CarFinance2u.

Even if you've been refused for finance elsewhere, the good news is we have lenders who specialise in helping people just like you. So if you have a poor credit history or a CCJ, it's still worth applying for car finance with CarFinance2u. Simply use our online application form towards the top of the page to apply.

Interest Rates & Repaying the Loan

Our rates start from 8.9% APR. The rate you are offered will depend on your individual circumstances, with a representative APR of 19.9%.

Our car loans can be repaid over a period of between 1 and 5 years. Apply today to find out what car loan we can offer you. It's simple, fast and you'll typically receive a decision within minutes.

Apply for PCP Finance now

Use our simple online application form.

Apply now

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