NHS Car Finance Deals

We can help you spread the cost. Through Health Service Borrowing you can quickly check your eligibility for car loans and hire purchase agreements without harming your credit score

What do our members say?



Personal Car Loans

- Borrow up to £25,000 for new & used cars

- No mileage or alteration restrictions

- Own the car from point of purchase


Hire Purchase Agreements

- Borrow up to £200,000

- Car to be purchase from a dealership

- Own car after last payment is made


Top Tip: Claim tax relief for making home visits

Did you know that if you use your own car for work, you may be able to claim tax relief on the approved mileage rate? Check if you’re eligible here

Car Finance FAQs

  • We offer both car loans and hire purchase agreements. 

    With a car loan, you borrow money from a lender and repay it monthly. You can then use the money to buy a car either privately or from a dealership. You will be the official owner of the car as soon as you buy it, meaning you will have no mileage or alteration restrictions to worry about. With a car loan, you can borrow up to £25,000 spread over 1 to 7 years.
    With a hire purchase agreement, the finance will be secured against the car you buy. This means that you won’t be the official owner of the car until the final payment has been made. 

    You’ll need to buy your car from a dealership approved by your lender, then they will set up the hire purchase agreement. You may need to pay an initial deposit at the start of your contract. With hire purchase, you can borrow up to £200,000 over terms of 1 to 6 years.

  • With a car loan, you can borrow from £1,000 to £25,000 over 1 to 7 years.

    With hire purchase, you can borrow up to £200,000 over 1 to 6 years.

  • You won’t need a deposit for a car loan. With hire purchase, you may need a deposit depending on your lender. When you check your car finance options, the details of each car loan or hire purchase agreement offer will be outlined for you.

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Freedom Finance is a trading style of Freedom Finance Limited registered in England and Wales. Company number 06297533. VAT Registration Number: 257 0001 44. Freedom Finance is authorised and regulated by the Financial Conduct Authority. Firm registration number 662079. See www.fca.org.uk Registered office: Atlantic House, Atlas Business Park, Simonsway, Manchester, M22 5PR. Copyright © 2010–2020 Freedom Finance Limited. All rights reserved. Reproduction in whole or in part without permission is prohibited. Calls may be recorded for training and monitoring purposes
Your home may be possessed if you do not keep up with certain types of repayments.