Compare BNP Paribas Car Finance Options UK

  • Get approved in seconds –
    no credit impact
  • Choose any car from any
    trusted UK dealer
  • No cash deposit needed
Car Finance

Compare car finance now

Secure & Private | No credit impact

4000+ reviews

BNP Paribas Personal Finance is a trusted name in UK vehicle finance. The company helps people get car loans by working with dealers and partners that have been approved. BNP Paribas Personal Finance has more than 50 years in UK consumer finance. Each year, they have sales that go over £3.6 billion. BNP Paribas Personal Finance gives expert motor finance products so car buyers can find what they need today.

Their car finance team helps people to buy new and used cars. They have loans with fixed rates. You can use online tools to make it easy to apply for one. They do not give out personal loans to the public. Instead, they work with car dealers and others in the motor business. The team uses digital tools and also offers help through special account managers.

What Car Finance Products Does BNP Paribas Offer?

BNP Paribas is a company that works in motor finance. The company gives you many services for this area. They work with several dealer networks and make key partnerships to do this. The main products they offer are:

  • Hire Purchase (HP)
  • Personal Contract Purchase (PCP)

These solutions let people pay off the loan amount over a set time. They make it easy to handle monthly payments, so you can keep up with the cost. At the end, there are a few different things you can do next.

Product Comparison Table

Feature Hire Purchase (HP) Personal Contract Purchase (PCP)
Finance Type Fixed-term secured loan Balloon payment-based option
Vehicle Ownership At end of agreement Optional (after balloon payment)
Typical Term 24 to 60 months 24 to 48 months
Deposit Required Varies by dealership Typically 10%
Monthly Payments Fixed Lower than HP
Credit Check Required Yes Yes
Early Settlement Allowed Yes Yes – subject to fees
Suitable For Buyers who want to own the car Buyers who want lower payments and flexible exit

Is BNP Paribas Car Finance Right for You?

BNP Paribas Personal Finance helps all kinds of people to get finance deals. They believe in lending money the right way. They always look at what you can afford. Their team works with dealerships that you can trust. These dealerships will check your credit history, your income, and any money you already owe to other places. From this, they will make a repayment plan that will fit you.

BNP Paribas does not give personal car loans or personal credit right now. All the financing you get will be done through their partners. You have to use an app that has easy finance tools in it for this.

Example: Finance for a Used Hatchback (Illustrative Only)

The price of the vehicle is £10,000. You will take this loan as a hire purchase agreement for 48 months. You need to pay a deposit of £1,000 at the start. The annual percentage rate, or APR, for this deal is 11.9%. Your monthly payment will be around £232. At the end, you will have paid a total of £11,136 for the car.

Disclaimer*: This text is only here as an example to help you know how things work. The real payment amount you get, and the interest rate, will not always be like the one shown. It will change depending on your details, your credit check, the price of the vehicle, and the terms given by the dealership.

Example: Finance for a Used Hatchback

Does BNP Paribas Accept Bad Credit Applications?

BNP Paribas Personal Finance often needs you to have at least a fair or good credit score. But, they also look at your full payment ability, not just any trouble you have had with credit before. A lot of car dealerships that use their platform also give good and competitive financing options for the people who buy there.

  • A short credit history
  • Missed payments before
  • People who pass the minimum income check

They cannot say you will always get approved, but they do try to help everyone get money. They also follow the rules to make sure lending is fair and safe.

Compare HP Car Finance

HP finance suits those unable to pay the full amount upfront. The agreement outlines the total cost of credit, interest rate, and duration.

Compare Now

Key Features of BNP Paribas Motor Finance

  • Digital Application Process: People can fill out forms at the dealership with ease. The apps and e-sign tools let you get it done fast and with less work.
  • Quick Approvals: You know right away if you get approved. Real-time systems check your credit and give you an answer fast.
  • Fixed Interest Rates: Your payment will not go up. You do not need to worry about higher rates, and it is easy to plan your budget.
  • FCA Regulated: Every loan sticks to the rules given by the Financial Conduct Authority.
  • Secure Systems: Good security policies and data rules keep your information safe.
How to Apply for BNP Paribas Car Finance

How to Apply for BNP Paribas Car Finance

BNP Paribas does not let the public apply directly. You have to apply through an approved dealership. The process usually has these steps:

  1. Pick a car from a dealer that takes part in the program.
  2. Give your credit history, your ID, and give the info about your income.
  3. Go through a credit check.
  4. Get your offer. It will show the monthly payments and other details.
  5. Check the agreement. E-sign it using the secure app.
  6. When the money is ready, you can drive away.

Your personal confidential information is safe and secure. UK GDPR rules are used by us to protect it with great care.

How Does BNP Paribas Compare to Other UK Car Finance Providers?

Provider Finance Type Application Method Bad Credit Considered FCA Regulated
BNP Paribas Personal Finance HP, PCP Through dealership Case-by-case Yes
Blue Motor Finance HP Broker/dealer Yes Yes
MotoNovo Finance HP, PCP Dealer Yes Yes
Lendable Personal Loan Online Yes Yes
Close Brothers HP, PCP Broker/dealer Limited Yes

Compare Car Finance

Various finance options cater to different financial circumstances, and researching these options can help find the best deal.

Compare Now

Can You Use a Car Loan Calculator With BNP Paribas?

BNP Paribas does not offer a car loan calculator on its website. But you will find that many dealers use tools to help you get car loan details.

  • Check the payment amount you will need to pay.
  • Compare what they offer for each of the vehicle prices.
  • Change the loan terms and the deposit that you put in.
  • Know all the costs you have to pay by looking at the APR.

These tools help people avoid problems they did not see coming. They let you pick a loan amount that works for you and what you need. This way, you can feel good about your choice and be ready for what will come after.

What Vehicles Are Eligible for BNP Paribas Motor Finance?

BNP Paribas car finance is a good option to pay for many kinds of cars. You can use this to get the car you want.

  • You can get both petrol and diesel hatchbacks from us.
  • There are also hybrid and electric vehicles you can buy.
  • We offer family SUVs for you and your family.
  • Find both new and approved used cars from partner dealers on our site.

Cars must be a certain age and have a set number of miles on them. The exact age and mile rules are not the same everywhere. Each dealer has their own way of doing this.

Will Interest Rates Stay Fixed?

Yes, with BNP Paribas motor finance agreements, the interest rate is usually fixed. This means the interest rate you have at the start will stay the same for the whole time you have the agreement.

  • Stops you from getting any surprises when the prime rate changes.
  • Keeps your payments the same.
  • Helps you make better plans for the future.

All agreements tell you every fee and the product rules before you sign. If you have any doubts about any details, talk with a dealer or adviser. Go over all the documents with them.

FAQs About BNP Paribas Car Finance

No, you can only apply to this by going through their partner dealerships. They use a digital system for all the job applications.

Yes, BNP Paribas does give personal loans to people in general. But, it does not give a car loan straight to the consumer. If you want to get a car loan with it, the loan is set up through dealer agreements.

There is no set lowest amount listed. To get this, you will have to go through a credit check. They will also check if you can afford it by looking at your income and how you spend your money.

BNP Paribas is known to have some good rates for loans. The rate you be offered will depend on your credit score and the amount you want to borrow. They do not give out fixed APR numbers, as these change for every person and at each dealer.

With HP, the car will be yours once you pay off the last payment. With PCP, you get to choose. You can pay a big last payment, which is called a balloon payment, to have the car. Or you can give the car back.

Related Articles

Correct as of 30 July 2025

Car Finance Options for Popular Car Makes

Car Finance Provider

More on Car Finance

Page last updated on: 05/08/2025

Page reviewed by: Andrea Troy

4000+ reviews