Time for a change?

Still wanting to swap your ?
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Enter your reg number and let's get started!
Just looking? View our cars here
Not got a car to trade in? Click here

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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!

*If your finance application is unsuccessful or the car you order is unavailable we will refund your £99 admin fee, guaranteed.

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!

Still wanting to swap your ?
Continue

Start Again
Enter your reg number and let's get started!
Just looking? View our cars here
Not got a car to trade in? Click here

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

Perfect, wanted to swap my car but couldn't find a traditional route to do this as I was in an agreement, Payment Swap did everything for me and I now have a new car. Great website and service!
Danielle,
Swapped to an Audi A1
Never used this type of website before so I looked at reviews and read terms before I went ahead. Very happy I did as I've had a great experience from start to finish. Excellent company to deal with, pretty quick from start to finish. Highly recommended.
Neil,
Swapped to a Volkswagen Tiguan
So much choice and really easy to use! I've been waiting along time to get a new car, I'm so happy I can swap earlier than I expected!
Andrew,
Swapped to a BMW 6 series

Change your car even if it's on finance

Still wanting to swap your ?
Continue

Start Again
Enter your reg number and let's get started!
Just looking? View our cars here
Not got a car to trade in? Click here

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