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Hybrid car finance

If you’re looking to buy a hybrid car on finance, we might be able to help. Find out more about hybrid cars and how hybrid car finance works.

Get a quote

Hybrid car finance

If you’re looking to buy a hybrid car on finance, we might be able to help. Find out more about hybrid cars and how hybrid car finance works.

Get a quote

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Very helpful and friendly

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Straightforward and easy to ...

Straightforward and easy to communicate with

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Excellent

4.5 out of five star rating on Trustpilot

Based on 12,128 reviews

5 out of five star rating on Trustpilot

Verified

The customer service was ver...

The customer service was very good.

Donna Mcknight, 15 hours ago

5 out of five star rating on Trustpilot

Verified

All sorted through my broker...

All sorted through my brokerage: Carfinance247, very pleased with docu...

Charlotte Brownett, 1 day ago

5 out of five star rating on Trustpilot

Verified

Very helpful and friendly

Very helpful and friendly

Alison Ney, 2 days ago

5 out of five star rating on Trustpilot

Verified

Straightforward and easy to ...

Straightforward and easy to communicate with

Martin Spencer, 2 days ago

Showing our 4 & 5 star reviews

With an increasing focus on low emission driving, and the amount of ULEZ zones being set up across the UK, you might be wondering if you can get a hybrid car on finance.

If you’ve already got particular a hybrid car in mind, that’s great. You could try using our car finance calculator to get an idea of what your finance agreement might look like. Or, if you’re ready, you can make an online application. It should only take 5 minutes to fill out and will tell you if we can offer you finance.

If not, don’t worry! We’ll explain how hybrid car finance works, and the process of buying a hybrid car.

What is hybrid car finance?

We use a Conditional Sale agreement. This means you borrow money to buy a hybrid car, so you don’t have to pay the whole cost upfront. The lender pays the dealership for your car, and you will make monthly repayments until the finance amount is paid off.

With our CS agreement, you are responsible for maintaining and servicing the car. Once you make your final repayment, you will legally own the car.

This is slightly different to PCP, which is another popular way of getting a hybrid car on finance. With PCP, you must make the ‘balloon payment’ to legally own the car. With our CS finance, you automatically own it at the end of your agreement.

Can I get a hybrid car on finance?

Hybrid cars in the past have been quite expensive. Fortunately, as more come onto the UK market, there are many affordable hybrid cars available. Whether you’re looking for a used or new hybrid car on finance, there are lots of options.

Yes, it is possible to get a hybrid car on finance, just as you could get a petrol or diesel. We’ve helped thousands of people up and down the UK onto a better road ahead, and have won various industry awards over the years for our approach to responsible lending.

How to buy a hybrid car on finance

As with any vehicle finance provider, every vehicle we finance has to fit into our lending criteria.

With an increasing focus on low emission driving, and the amount of ULEZ zones being set up across the UK, you might be wondering if you can get a hybrid car on finance.

If you’ve already got particular a hybrid car in mind, that’s great. You could try using our car finance calculator to get an idea of what your finance agreement might look like. Or, if you’re ready, you can make an online application. It should only take 5 minutes to fill out and will tell you if we can offer you finance.

If not, don’t worry! We’ll explain how hybrid car finance works, and the process of buying a hybrid car.

What is hybrid car finance?

We use a Conditional Sale agreement. This means you borrow money to buy a hybrid car, so you don’t have to pay the whole cost upfront. The lender pays the dealership for your car, and you will make monthly repayments until the finance amount is paid off.

With our CS agreement, you are responsible for maintaining and servicing the car. Once you make your final repayment, you will legally own the car.

This is slightly different to PCP, which is another popular way of getting a hybrid car on finance. With PCP, you must make the ‘balloon payment’ to legally own the car. With our CS finance, you automatically own it at the end of your agreement.

Can I get a hybrid car on finance?

Hybrid cars in the past have been quite expensive. Fortunately, as more come onto the UK market, there are many affordable hybrid cars available. Whether you’re looking for a used or new hybrid car on finance, there are lots of options.

Yes, it is possible to get a hybrid car on finance, just as you could get a petrol or diesel. We’ve helped thousands of people up and down the UK onto a better road ahead, and have won various industry awards over the years for our approach to responsible lending.

How to buy a hybrid car on finance

As with any vehicle finance provider, every vehicle we finance has to fit into our lending criteria.

  • Monthly earnings over £1,000 (after tax)
  • To be aged between 20 and 75
  • A full valid UK driving licence
  • 2 consecutive months of payslips

We can provide a hybrid car on finance as long as it meets the following criteria:

  • Financing a car from £4,000-£35,000
  • Maximum of 100,000 miles on the clock
  • No older than 13 years at the end of the agreement

Please note: we don’t finance hybrid cars where the battery is leased from the manufacturer separately to the car.

  • Monthly earnings over £1,000 (after tax)
  • To be aged between 20 and 75
  • A full valid UK driving licence
  • 2 consecutive months of payslips

We can provide a hybrid car on finance as long as it meets the following criteria:

  • Financing a car from £4,000-£35,000
  • Maximum of 100,000 miles on the clock
  • No older than 13 years at the end of the agreement

Please note: we don’t finance hybrid cars where the battery is leased from the manufacturer separately to the car.

Get a quote today
Get a quote today

Hybrid car finance calculator

Summary

  • Monthly payment: £000.00
  • Total to repay: £00,000.00
  • Calculated APR: 00.0%

Representative 35.5% APR

Get a quote

Hybrid car finance calculator

  • Monthly payment: £000.00
  • Total to repay: £00,000.00
  • Calculated APR: 00.0%

Get a quote

Representative 35.5% APR

I don’t have the best credit, and have had a CCJ in the past. Luckily Moneybarn were able to take all my information into account and looked past my credit score – Leah.

Leah in her car financed by Moneybarn
Leah in her car financed by Moneybarn

I don’t have the best credit, and have had a CCJ in the past. Luckily Moneybarn were able to take all my information into account and looked past my credit score – Leah.

Hybrid cars we can help finance

Hybrid cars we can help finance

We can provide car finance for hybrid cars that fit our lending criteria.

To the right are some examples of cars that fit within our lending criteria and are from dealerships we trust.

Did you know there are several benefits to owning a hybrid car?

  • Hybrids are generally more fuel efficient than petrol or diesel cars
  • It allows you to do some low or zero-emission driving
  • Hybrid cars are typically cheaper to tax than petrol or diesel cars

Many popular car brands have hybrid models, such as:

  • Toyota Prius, Yaris, Corolla, and NAV4
  • Renault Clio
  • Kia Niro and Sorento

If you still aren’t sure which hybrid car you’d like to finance, don’t worry. Our team would be happy to help find the right one for you.

We use a soft credit check at the point of application, which doesn’t affect your credit score. It should only take 5 minutes to fill out an online application, and you will get a decision as to whether we can help you.

Get a quote

We can provide car finance for hybrid cars that fit our lending criteria.

Below are some examples of cars that fit within our lending criteria and are from dealerships we trust.

Did you know there are several benefits to owning a hybrid car?

  • Hybrids are generally more fuel efficient than petrol or diesel cars
  • It allows you to do some low or zero-emission driving
  • Hybrid cars are typically cheaper to tax than petrol or diesel cars

Many popular car brands have hybrid models, such as:

  • Toyota Prius, Yaris, Corolla, and NAV4
  • Renault Clio
  • Kia Niro and Sorento

If you still aren’t sure which hybrid car you’d like to finance, don’t worry. Our team would be happy to help find the right one for you.

We use a soft credit check at the point of application, which doesn’t affect your credit score. It should only take 5 minutes to fill out an online application, and you will get a decision as to whether we can help you.

Get a quote

Can I get hybrid car finance with bad credit?

Having bad credit might make it more difficult to get a hybrid car on finance. Whether you’ve missed a payment in the past, or had a CCJ or IVA, there are many things that can cause you to have bad credit.

We’re proud to have over 30 years of experience helping people up and down the UK with bad credit car finance. We’re one of the UK’s biggest providers of specialist vehicle finance, and we could help you get the hybrid car that you need.

Our team would be happy to guide you onto a better road head. Get a quote today and see if we can help you.

What is the best way to finance a hybrid car?

Some of the most popular types of car finance include Conditional Sale (CS), Personal Contract Purchase (PCP), Hire Purchase (HP), and leasing which is also known as Personal Contract Hire (PCH).

No one can tell you for sure what the best type of car finance is. That’s why it’s important to do your own research and fully understand each type of finance before you make an application.

Some questions that might help you decide include:

  • How much do you need to borrow to buy a hybrid car?
  • Are you comfortable with a hybrid car, or would an electric car on finance suit you better?
  • Do you want to own the car at the end of the finance agreement?
  • Are you looking to buy a new or used hybrid car?

To help you make an informed decision, the table below shows some of the differences between the types of finance.

This isn’t a full list, but it highlights the key differences in terms of how you would own and use the car under each type of finance.

Car finance type Owning the car Using the car
Conditional Sale (CS) You legally own the car once you make your final repayment You are responsible for maintaining and servicing the car, and have full use of it
Personal Contract Purchase (PCP) At the end of the agreement, you must make the 'balloon payment' in order to legally own the car There is a permitted mileage limit and charges may apply if you exceed that
Hire Purchase (HP) At the end of the agreement you will legally own the car if you pay the 'option to purchase' fee You have full use of the car and must maintain and service it
Leasing (PCH) You will never legally own the car, and must return it at the end of the lease agreement There is usually a mileage limit and limits on wear and tear that you may incur charges for

For a more detailed comparison of each of the types of finance, see our guide that explains how financing a car works.

If you’re not sure whether a hybrid car is right for you, we’ve written a guide that compares hybrid and electric cars. It explains how both can help you do some zero-emission driving and explores the differences between hybrid and electric.

Can I get hybrid car finance with bad credit?

Having bad credit might make it more difficult to get a hybrid car on finance. Whether you’ve missed a payment in the past, or had a CCJ or IVA, there are many things that can cause you to have bad credit.

We’re proud to have over 30 years of experience helping people up and down the UK with bad credit car finance. We’re one of the UK’s biggest providers of specialist vehicle finance, and we could help you get the hybrid car that you need.

Our team would be happy to guide you onto a better road head. Get a quote today and see if we can help you.

What is the best way to finance a hybrid car?

Some of the most popular types of car finance include Conditional Sale (CS), Personal Contract Purchase (PCP), Hire Purchase (HP), and leasing which is also known as Personal Contract Hire (PCH).

No one can tell you for sure what the best type of car finance is. That’s why it’s important to do your own research and fully understand each type of finance before you make an application.

Some questions that might help you decide include:

  • How much do you need to borrow to buy a hybrid car?
  • Are you comfortable with a hybrid car, or would an electric car on finance suit you better?
  • Do you want to own the car at the end of the finance agreement?
  • Are you looking to buy a new or used hybrid car?

To help you make an informed decision, the table below shows some of the differences between the types of finance.

This isn’t a full list, but it highlights the key differences in terms of how you would own and use the car under each type of finance.

Car finance type Owning the car Using the car
Conditional Sale (CS) You legally own the car once you make your final repayment You are responsible for maintaining and servicing the car, and have full use of it
Personal Contract Purchase (PCP) At the end of the agreement, you must make the 'balloon payment' in order to legally own the car There is a permitted mileage limit and charges may apply if you exceed that
Hire Purchase (HP) At the end of the agreement you will legally own the car if you pay the 'option to purchase' fee You have full use of the car and must maintain and service it
Leasing (PCH) You will never legally own the car, and must return it at the end of the lease agreement There is usually a mileage limit and limits on wear and tear that you may incur charges for

For a more detailed comparison of each of the types of finance, see our guide that explains how financing a car works.

If you’re not sure whether a hybrid car is right for you, we’ve written a guide that compares hybrid and electric cars. It explains how both can help you do some zero-emission driving and explores the differences between hybrid and electric.

FAQs when buying a hybrid car on finance

A hybrid car uses a combination of electric power alongside a traditional engine (either a petrol or diesel powered internal combustion engine). This gives you the best of both worlds, allowing for some low emission driving, with the long-distance capability of a petrol or diesel car.

Hybrid cars might also be referred to as ‘hybrid electric vehicles’, or HEV.

‘Full hybrids’ (hybrid cars that can travel on electric power alone for a short distance) are not available in manual transmission.

There may be some hybrid models available that aren’t automatic. Our team would be happy to discuss your options and find the right hybrid for you.

Some of the advantages of hybrid cars include:

  • Hybrids typically have better fuel economy than pure petrol or diesel cars
  • More environmentally friendly than a traditional petrol or diesel car especially in terms of emissions
  • The electric motor can help deliver a smooth driving experience

Some disadvantages of hybrids include:

  • They use ‘regenerative braking’ which might mean you get a lower MPG than you would with a diesel car if you use your car for long-distance driving
  • Hybrids are generally more expensive to buy than petrol or diesel cars
  • Any repairs or servicing needed for the battery can be expensive

We understand that choosing your new car is an exciting time, but with so much choice it can also be stressful. Our team would be happy to help you find the right car for your circumstances.

No, a hybrid and an electric car are different. They use similar technologies, but the difference is that hybrid uses a blend of an electric motor and a traditional petrol or diesel engine, whilst an electric car is purely driven by an electric motor.

The Government have announced their intentions to change the law so that low emission cars, including hybrids, may have to pay road tax. For more information, visit the GOV.UK website.

Why not check out our guide to hybrid and electric cars, where we give more of a breakdown of the costs and differences.

Whether it is worth getting a hybrid car depends on your circumstances. Our team would be happy to discuss your options so you can decide whether making the switch to hybrid or electric is best.

FAQs when buying a hybrid car on finance

A hybrid car uses a combination of electric power alongside a traditional engine (either a petrol or diesel powered internal combustion engine). This gives you the best of both worlds, allowing for some low emission driving, with the long-distance capability of a petrol or diesel car.

Hybrid cars might also be referred to as ‘hybrid electric vehicles’, or HEV.

‘Full hybrids’ (hybrid cars that can travel on electric power alone for a short distance) are not available in manual transmission.

There may be some hybrid models available that aren’t automatic. Our team would be happy to discuss your options and find the right hybrid for you.

Some of the advantages of hybrid cars include:

  • Hybrids typically have better fuel economy than pure petrol or diesel cars
  • More environmentally friendly than a traditional petrol or diesel car especially in terms of emissions
  • The electric motor can help deliver a smooth driving experience

Some disadvantages of hybrids include:

  • They use ‘regenerative braking’ which might mean you get a lower MPG than you would with a diesel car if you use your car for long-distance driving
  • Hybrids are generally more expensive to buy than petrol or diesel cars
  • Any repairs or servicing needed for the battery can be expensive

We understand that choosing your new car is an exciting time, but with so much choice it can also be stressful. Our team would be happy to help you find the right car for your circumstances.

No, a hybrid and an electric car are different. They use similar technologies, but the difference is that hybrid uses a blend of an electric motor and a traditional petrol or diesel engine, whilst an electric car is purely driven by an electric motor.

The Government have announced their intentions to change the law so that low emission cars, including hybrids, may have to pay road tax. For more information, visit the GOV.UK website.

Why not check out our guide to hybrid and electric cars, where we give more of a breakdown of the costs and differences.

Whether it is worth getting a hybrid car depends on your circumstances. Our team would be happy to discuss your options so you can decide whether making the switch to hybrid or electric is best.

What do you need to apply?

There are some things you will need ready before you make an application for car finance. Find out more in our guide.

What do you need to apply?

Electric car finance

Hybrid vehicle finance might not be right for everyone. If you’re considering going electric instead, we can help guide you into the right electric vehicle.

Electric car finance

Our application process

It is important to completely understand the car finance agreement that you may be entering – find out more about how a conditional sale agreement works.

Our application process

For a better road ahead

Moneybarn is a member of the Finance and Leasing Association, the official trade organisation of the motor finance industry. The FLA promotes best practice in the motor finance industry for lending and leasing to consumers and businesses.

Moneybarn is the trading style of Moneybarn No. 1 Limited, a company registered in England and Wales with company number 04496573, and Moneybarn Limited, a company registered in England and Wales with company number 02766324. The registered address for these companies is: Athena House, Bedford Road, Petersfield, Hampshire, GU32 3LJ.

Moneybarn’s VAT registration number is 180 5559 52.

Moneybarn Limited is authorised and regulated by the Financial Conduct Authority (Financial Services reference No. 702781)

Moneybarn No. 1 Limited is authorised and regulated by the Financial Conduct Authority (Financial Services reference No. 702780)

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© Copyright 2023 Moneybarn Limited
© Copyright 2023 Moneybarn Limited

Representative example: Total amount of credit £10,460. Repayable over 58 months, 57 monthly payments of £351.13. Representative 35.5% APR (fixed). Deposit of £910.55. Total charge for credit £9,554.41. Total amount payable £20,924.96. Subject to status and affordability. You could risk losing your vehicle if you do not keep up payments.