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.

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.

What is hybrid car finance?

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

When you finance a hybrid car, it’s similar to financing a petrol or diesel car. Financing means the lender pays the dealership for you, and then you make monthly payments to the lender until you’ve paid off the borrowed amount, plus interest.

We offer a Conditional Sale (CS) agreement. Unlike other types of finance like HP and PCP, with CS, there’s no additional fee or payment needed to legally own the car. This means you can keep your hybrid car once the finance agreement ends and enjoy more low emission driving.

Can I get a hybrid car on finance?

If you’re thinking about buying a hybrid car but have bad credit, don’t worry – we can help. As one of the UK’s leading specialist lenders for bad credit car finance, we can help you even if you’ve been turned down by other lenders.

Join the thousands of people we’ve helped across the UK onto a better road ahead and get a quote in less than 5 minutes online.

Who is eligible for a hybrid car on finance?

What is hybrid car finance?

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

When you finance a hybrid car, it’s similar to financing a petrol or diesel car. Financing means the lender pays the dealership for you, and then you make monthly payments to the lender until you’ve paid off the borrowed amount, plus interest.

We offer a Conditional Sale (CS) agreement. Unlike other types of finance like HP and PCP, with CS, there’s no additional fee or payment needed to legally own the car. This means you can keep your hybrid car once the finance agreement ends and enjoy more low emission driving.

Can I get a hybrid car on finance?

If you’re thinking about buying a hybrid car but have bad credit, don’t worry – we can help. As one of the UK’s leading specialist lenders for bad credit car finance, we can help you even if you’ve been turned down by other lenders.

Join the thousands of people we’ve helped across the UK onto a better road ahead and get a quote in less than 5 minutes online.

Who is eligible for a hybrid car on finance?

To get hybrid car finance, you’ll need:

  • 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 finance hybrid cars that meet our lending criteria:

  • Priced between £4,000 and £35,000
  • Up to 120,000 miles on the clock
  • No older than 15 years by the end of the agreement
  • We don’t finance cars if their batteries are leased seperately from the manufacturer

To get hybrid car finance, you’ll need:

  • 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 finance hybrid cars that meet our lending criteria:

  • Priced between £4,000 and £35,000
  • Up to 120,000 miles on the clock
  • No older than 15 years by the end of the agreement
  • We don’t finance cars if their batteries are leased seperately from the manufacturer

Hybrid cars we can finance

Hybrid cars we can finance

If you’re looking to buy a used hybrid car, we can help. We understand the importance of finding a reliable car, especially when switching from petrol or diesel to hybrid.

We can finance hybrid cars that meet our lending criteria.

To the right are some examples of hybrid cars for sale that we can finance. You can use them to understand which car brands and models are within your budget.

There are several benefits to buying a hybrid car:

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

If you aren’t sure which hybrid car you’d like to finance, don’t worry. Our friendly experts can help you find the right car.

We use a soft credit check at the application stage, which won’t impact your credit score. A hard check is only carried out when you decide to enter into an agreement with us.

Getting a quote takes less than 5 minutes. If you’re approved, we’ll show you how much you could borrow and what your agreement might look like.

Get inspired to buy a hybrid car

If you’re looking to buy a used hybrid car, we can help. We understand the importance of finding a reliable car, especially when switching from petrol or diesel to hybrid.

We can finance hybrid cars that meet our lending criteria.

Below are some examples of hybrid cars for sale that we can finance. You can use them to understand which car brands and models are within your budget.

Get inspired to buy a hybrid car

There are several benefits to buying a hybrid car:

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

If you aren’t sure which hybrid car you’d like to finance, don’t worry. Our friendly experts can help you find the right car.

We use a soft credit check at the application stage, which won’t impact your credit score. A hard check is only carried out when you decide to enter into an agreement with us.

Getting a quote takes less than 5 minutes. If you’re approved, we’ll show you how much you could borrow and what your agreement might look like.

Join thousands of monthly customers like Leah

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

Join thousands of monthly customers like Leah

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.

Types of hybrid cars

A hybrid car uses a combination of a petrol or diesel engine and an electric motor. However, there are several types of hybrid cars to be aware of:

  • Mild Hybrid Electric Vehicle (MHEV): The engine receives only limited help from the electric motor. Instead of being completely powered by electricity, a MHEV uses a small electric motor to help the engine. For example, the electric motor may help move the car away from a standing start before the petrol or diesel engine kicks in.
  • Plug-in Hybrid Electric Vehicle (PHEV): The battery gets its charge both from the engine and by being plugged in and charged. Plug-in hybrids can be charged using a wall outlet, a charging station, by the engine itself when driving, or through regenerative braking in some models.
  • Full Hybrid Electric Vehicle (FHEV): Also known as parallel hybrids or self-charging hybrids, these cars can run on both petrol/diesel and electricity at the same time. This is the most common type of hybrid car available to buy in the UK.

Find out more about hybrid and electric cars in our dedicated guide.

Can I get hybrid car finance with bad credit?

Types of hybrid cars

A hybrid car uses a combination of a petrol or diesel engine and an electric motor. However, there are several types of hybrid cars to be aware of:

  • Mild Hybrid Electric Vehicle (MHEV): The engine receives only limited help from the electric motor. Instead of being completely powered by electricity, a MHEV uses a small electric motor to help the engine. For example, the electric motor may help move the car away from a standing start before the petrol or diesel engine kicks in.
  • Plug-in Hybrid Electric Vehicle (PHEV): The battery gets its charge both from the engine and by being plugged in and charged. Plug-in hybrids can be charged using a wall outlet, a charging station, by the engine itself when driving, or through regenerative braking in some models.
  • Full Hybrid Electric Vehicle (FHEV): Also known as parallel hybrids or self-charging hybrids, these cars can run on both petrol/diesel and electricity at the same time. This is the most common type of hybrid car available to buy in the UK.

Find out more about hybrid and electric cars in our dedicated guide.

Can I get hybrid car finance with bad credit?

Yes, it is possible to get a hybrid car on finance with bad credit!

Yes, it is possible to get a hybrid car on finance with bad credit!

Having bad credit can make it more difficult to get approved for hybrid car finance, but it doesn’t make it impossible. We understand that many things can cause you to have bad credit, and we don’t believe that should stop you from buying a hybrid car.

With over 30 years of experience helping people across the UK when mainstream lenders have let them down, we could help, even if you:

  • Have missed payments in the past
  • Have had an Individual Voluntary Agreement (IVA)
  • Have had a County Court Judgment (CCJ)
  • Are self-employed

  • Have arrears or an overdraft
  • Are receiving benefits
  • Have experienced bankruptcy in the past
  • Have had a DRO or DMP

Having bad credit can make it more difficult to get approved for hybrid car finance, but it doesn’t make it impossible. We understand that many things can cause you to have bad credit, and we don’t believe that should stop you from buying a hybrid car.

With over 30 years of experience helping people across the UK when mainstream lenders have let them down, we could help, even if you:

  • Have missed payments in the past
  • Have had an Individual Voluntary Agreement (IVA)
  • Have had a County Court Judgment (CCJ)
  • Are self-employed
  • Have arrears or an overdraft
  • Are receiving benefits
  • Have experienced bankruptcy in the past
  • Have had a DRO or DMP

It takes less than 5 minutes to get a quote online. If you’re approved, our team will be happy to help you find the right hybrid for you.

What is the best way to finance a hybrid car?

There are several different ways you could buy a hybrid car: PCP, HP, PCH, or CS. Which one of these is best for you depends on whether you want to legally own the hybrid car when the agreement ends.

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

Ways of buying a hybrid car Owning the car Using the car
Conditional Sale (CS) Once you make the final payment, you'll legally own the car You have full use of the car and are responsible for things like servicing and maintenance
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.

It takes less than 5 minutes to get a quote online. If you’re approved, our team will be happy to help you find the right hybrid for you.

What is the best way to finance a hybrid car?

There are several different ways you could buy a hybrid car: PCP, HP, PCH, or CS. Which one of these is best for you depends on whether you want to legally own the hybrid car when the agreement ends.

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

Ways of buying a hybrid car Owning the car Using the car
Conditional Sale (CS) Once you make the final payment, you'll legally own the car You have full use of the car and are responsible for things like servicing and maintenance
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.

Why choose Moneybarn?

Great customer service

We support thousands of people up and down the country each month, even if they’ve been refused elsewhere. Our customers rate us as Excellent on Trustpilot.

Award-winning finance

We continue to win industry awards for our approach to responsible lending, including ‘Vehicle Finance Provider of the Year’ and ‘Sub-Prime Lender of the Year’ for 2023.

Leading specialist lender

As one of the UK’s leading lenders for bad credit, we accept people let down by mainstream lenders, with over 30 years of experience helping people onto a better road ahead.

Why choose Moneybarn?

Great customer service

We support thousands of people up and down the country each month, even if they’ve been refused elsewhere. Our customers rate us as Excellent on Trustpilot.

Award-winning finance

We continue to win industry awards for our approach to responsible lending, including ‘Vehicle Finance Provider of the Year’ and ‘Sub-Prime Lender of the Year’ for 2023.

Leading specialist lender

As one of the UK’s leading lenders for bad credit, we accept people let down by mainstream lenders, with over 30 years of experience helping people onto a better road ahead.

FAQs when buying a hybrid car on finance

A hybrid car uses a combination of an electric motor and a petrol or diesel engine. This gives you the best of both worlds, allowing for 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 HEVs. You can read more about them in our guide to hybrid and electric cars.

Many FHEVs (full hybrid electric vehicles) are only available with automatic transmission. There may be some hybrid models that are manual, depending on the car brand and model.

Our team would be happy to discuss your options and help find the right hybrid for you.

Hybrids typically have better fuel economy than petrol or diesel cars. Also, due to their electric motor, hybrids offer some low-emission driving.

The downsides of hybrids depend on how you want to use them and whether you drive short or long distances. They use ‘regenerative braking’, which might mean you get a lower MPG than you would with a diesel car if you drive long distances.

Hybrids can be more expensive than petrol or diesel cars, but this is gradually changing as more used hybrids become available to buy and finance.

If you’d like to read more, we’ve written a guide to the differences between petrol and diesel cars so you can compare those to hybrids and understand which is right for you. We also explore the differences between new and used cars to help you understand.

Hybrid and electric cars use similar technologies. The key difference is that a hybrid car only offers short-distance driving on the electric motor, while an electric car can drive hundreds of miles solely with its electric motor.

Yes, hybrid cars will need to pay road tax. You can find more on the GOV.UK website.

A hybrid car could be worthwhile if you want to drive with low emissions and cover short to mid distances while saving on fuel. But for longer journeys, a diesel car might be more efficient. Keep in mind that hybrids can be pricier than petrol or diesel cars, so monthly payments on a finance deal could be higher compared to financing a similar petrol or diesel car.

Whether hybrids are cheaper to run depends on the car brand and model and how it is driven.

Hybrids usually give better fuel economy for short to mid-range trips. In these cases, a hybrid might be cheaper to run than a petrol or diesel car because the electric motor can help save fuel. According to the RAC, hybrids use 30% less fuel per mile than petrol and diesel vehicles.

However, for long journeys, the electric battery will run out, and the hybrid will switch to its petrol or diesel engine. So, if you spend a lot of time on the road, driving long distances or on motorways and A-roads, a diesel might be more efficient.

Hybrids have an electric motor, but they also use a combustion engine. This means you might have to pay fees if you drive into an Ultra Low Emission Zone or Clean Air Zone. Learn more about this in our guide to ULEZ and its impact on you.

Many hybrid car makers claim that hybrid car batteries typically last between 70,000 and 100,000 miles, as stated by Honda. However, this can vary due to factors like battery maintenance, charging frequency, usage, and the specific make and model of the car.

FAQs when buying a hybrid car on finance

A hybrid car uses a combination of an electric motor and a petrol or diesel engine. This gives you the best of both worlds, allowing for 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 HEVs. You can read more about them in our guide to hybrid and electric cars.

Many FHEVs (full hybrid electric vehicles) are only available with automatic transmission. There may be some hybrid models that are manual, depending on the car brand and model.

Our team would be happy to discuss your options and help find the right hybrid for you.

Hybrids typically have better fuel economy than petrol or diesel cars. Also, due to their electric motor, hybrids offer some low-emission driving.

The downsides of hybrids depend on how you want to use them and whether you drive short or long distances. They use ‘regenerative braking’, which might mean you get a lower MPG than you would with a diesel car if you drive long distances.

Hybrids can be more expensive than petrol or diesel cars, but this is gradually changing as more used hybrids become available to buy and finance.

If you’d like to read more, we’ve written a guide to the differences between petrol and diesel cars so you can compare those to hybrids and understand which is right for you. We also explore the differences between new and used cars to help you understand.

Hybrid and electric cars use similar technologies. The key difference is that a hybrid car only offers short-distance driving on the electric motor, while an electric car can drive hundreds of miles solely with its electric motor.

Yes, hybrid cars will need to pay road tax. You can find more on the GOV.UK website.

A hybrid car could be worthwhile if you want to drive with low emissions and cover short to mid distances while saving on fuel. But for longer journeys, a diesel car might be more efficient. Keep in mind that hybrids can be pricier than petrol or diesel cars, so monthly payments on a finance deal could be higher compared to financing a similar petrol or diesel car.

Whether hybrids are cheaper to run depends on the car brand and model and how it is driven.

Hybrids usually give better fuel economy for short to mid-range trips. In these cases, a hybrid might be cheaper to run than a petrol or diesel car because the electric motor can help save fuel. According to the RAC, hybrids use 30% less fuel per mile than petrol and diesel vehicles.

However, for long journeys, the electric battery will run out, and the hybrid will switch to its petrol or diesel engine. So, if you spend a lot of time on the road, driving long distances or on motorways and A-roads, a diesel might be more efficient.

Hybrids have an electric motor, but they also use a combustion engine. This means you might have to pay fees if you drive into an Ultra Low Emission Zone or Clean Air Zone. Learn more about this in our guide to ULEZ and its impact on you.

Many hybrid car makers claim that hybrid car batteries typically last between 70,000 and 100,000 miles, as stated by Honda. However, this can vary due to factors like battery maintenance, charging frequency, usage, and the specific make and model of the car.

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.

Electric car finance

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

Our application process

It is important to completely understand the car finance agreement that you may be entering. Find out more about our process.