Time for a change?
Change your car even if it's on finance with no deposit and no hassle
- Newer car for the same as you pay now
- Order online from thousands of used cars
- 11.9% APR representative finance
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How it Works
The hassle free way to change your car on finance
1. Enter your details
Tell us about your current car and any finance you’ve still got to pay off
2. Order online with a refundable* £99 Admin Fee
Search our site, find a car and order it online with just £99 to pay
3. Swap cars at the dealership
Drive in with the old and out with the new. Simple, hassle free car buying!
Exceptional Customer Service
Our friendly UK based team
High Quality Cars
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5* Customer Feedback
Honest opinions from our Customers
Change your car on PCP or HP
With Payment Swap you can change your car early if its on finance with no cash deposit needed.
What’s more you can swap cars even if you’re still only halfway through paying your current car off AND we can also help you change if you have negative equity!
Enter your reg number and let’s get started!
Why use Payment Swap?
Total Flexibility
Drive a newer car that fits your preferred budget and change to something bigger, smaller, more reliable or...just more fun!
Find the best deal
With Payment Swap you can see how your deal looks across 1000's of cars - instantly. Which means you don't have to trawl dozens of dealerships repeating yourself
Quality Cars
All our cars are quality inspected, serviced, MOT'd and come with a guaranteed warranty
Only £99 Admin Fee
Payable when you order your new car, our one-time Admin Fee covers absolutely everything we do. And don't worry - it's fully refundable if we can't get you your finance
Secure and Private
Search + order securely and in your own time with nobody pressuring you into buying or telling you what 'you' need
Click & Collect
Order from your sofa and collect in a matter of days. Stay in your current car until you get your new one
Some of our recent Customers
Some of our frequently asked questions
Yes! With Payment Swap you can change your car if it’s still on finance. So if your current car is on a Hire Purchase (HP) or a Personal Contract Purchase (PCP) then Payment Swap is for you.
Simply put your reg number in, tell us about your current car and finance and we’ll add your equity as a deposit for your next car.
All that’s left to do is search our website, find your next car – then order it! Hassle free.
Absolutely. Once you’ve entered your details and we’ve calculated your deposit you can see how your deal stacks up on every car. There are no restrictions – choose any car you want, whatever fits your monthly budget.
Yes. With Payment Swap you can change your car if it’s still on finance – even if you’re only halfway through paying it off.
Simply put your reg number in, tell us about your current car and finance and we’ll add your equity as a deposit for your next car.
In short – Yes. Negative equity is when the value of your car is less than the amount of finance you still owe.
We can finance your negative equity in your new agreement up to a certain amount. In some cases the negative equity will be too much to finance, so a cash deposit would also be necessary.
Once you’ve put your details in our website will automatically tell you how much you owe, and if necessary what the minimum cash deposit required would be.
If you need help or advice, please get in touch
Yes! With Payment Swap you can swap your car if it’s still on finance, so if your current car is on Personal Contract Purchase (PCP) then Payment Swap is for you.
Simply put your reg number in, tell us about your current car and finance and we’ll add your equity as a deposit for your next car. If your current agreement is a PCP make sure to factor in if you have a Residual Payment too. All that’s left to do is search our website, find your next car – then order it! Hassle free.
Yes! With Payment Swap you can swap your car if it’s still on finance, so if your current car is on Hire Purchase (HP) then Payment Swap is for you.
Simply put your reg number in, tell us about your current car and finance and we’ll add your equity as a deposit for your next car. All that’s left to do is search our website, find your next car – then order it! Hassle free.
Useful Blogs and Articles
Can I change my car on Finance?
Our most popular question “Can I change my car even if it’s still on finance?” We get asked all the time if it’s possible to
How to find out if your car has got negative equity
Changing cars on finance is not always easy. Whilst lots of websites and dealer forecourts show a monthly payment, they don’t take in to account
