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
The best UK Dealerships
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.
More faq's
Is it easy to swap my car with negative equity?
Even with negative equity, you could swap your old car and drive something newer for the same payment or less and subject to status, we’ll
Can I really swap my car if it’s still on finance?
Absolutely! We’ve helped many customers do just that.. Simply enter your reg number and how much you owe, and let the website do the rest.
Is It Important That I Leave You A Review?
It is important to us to receive 5 star reviews from all our customers. We feel the only way we can remain in business is
When Is My First Payment Due?
With Payment Swap, your first payment on your new car is not due for around 30 days after you take delivery. So, you get a
What Happens To My Old Finance Agreement?
Once you’ve driven away, your dealer settles off your old finance, releasing you from that debt. IMPORTANT: Please make sure you immediately cancel your previous
How Long Will It Take To Do The Swap Over?
Once you arrive at the dealership, they will welcome you in to their premises and make you feel very welcome. The process is expected to
Useful Blogs and Articles
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Searching the various dealer websites is a good thing when swapping your car for something newer. The downside comes from constantly having to switch between
“What do I need to do to settle off my old car’s Finance?”
To help you change your car early while it’s still on finance, the first thing you’ll need is your finance company’s early settlement confirmation. We’re
Can I Change My Car Before I’ve Finished Paying For It?
There’s no rule that says you can’t upgrade your car before reaching the end of your finance agreement. However, it’s important to try to pay
Keeping an old car could cost you more than buying a newer one
One of the top reasons people swap cars before reaching the end of a finance agreement is that their current car is costing too much
What is Negative Equity and how to Avoid It?
When the car you have on finance is worth less than the amount you owe, this is called ‘Negative Equity’. This makes it difficult to
Shop Around For Cheaper Car insurance
How good does it feel when not only can you wave goodbye to your old insurance company who wanted to increase your premium, but you
