Sorry but due to the COVID-19 pandemic you are unable to swap your vehicle and place an order with us until our Finance partners and UK dealers return to work. Apologies for this inconvenience. Please stay safe and come back soon.
Time for a change?
Newer car for the same as you pay now
Order online from over 21138 used cars
9.9% APR representative finance
Enter your reg number and let's get started! 
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.

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 17,000 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, London 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
Enter your reg number and lets go
Start Now
Not got a car to trade in? Click here
Some of our frequently asked questions
Can i change my car if its on PCP or HP?
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.
Can i swap to something cheaper or more expensive?
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.
Can i change my car even if i have outstanding finance?
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. 
I have negative equity - can i still swap my car to something newer?
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
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Payment Swap ® is a registered trademark of Automotive Media Ltd. Privacy, Cookie Policy, Terms and Conditions

Depending on the amount you owe, there is a likelihood your new agreement’s term will be extended beyond your existing arrangement. Subject to status. The renewal of a new agreement is subject to underwriting conditions and may not always be possible. Payment Swap is a registered trademark brand, operated in accordance with FCA guidelines. Automotive Media Ltd is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 757685). Automotive Media Ltd is a firm registered in England and Wales under company number 9679212. All rights reserved. Written quotations detailing a choice of finance lenders will be made available from Automotive Media Ltd, who are a credit broker and not a lender and whose name is listed on the FCA register.

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