How Payment Swap works

1. Tell us about your current car 

Tell us your reg number and how much you have left to pay. Our clever site will instantly obtain the best price for your car from dealers and auctions across the country and add the equity (car value minus any finance) into your new search as a deposit. 

2. Find the car you really want to swap to

With your old car being used as a deposit you are now free to browse in your own time from over 21,283 used cars and relax in the knowledge that all of our cars have been quality inspected and thoroughly checked by our Approved Dealerships. 

3. Customise your new finance and order online

Choose how long you’d like to pay over and customise your finance. Pay our one-time £99 Admin Fee and complete your application from the comfort of your own home. Remember, if we cannot approve your finance or if the car you order is sold, we will refund the £99 in full, guaranteed. What does this cover?

4. Swap!

Tell us your preferred date/time and simply drive to the dealership where your new car is - swap keys - and drive away. Easy! No haggling and no hassle. If you'd like to take a test drive beforehand then by all means do so. 

5. Piece of mind

If you have any problems then we're here for you. We operate a dedicated UK support team so get in touch, or check out our help pages.
The great news is we'll let you know when you can swap again and tell you about any improvements to your service. 
About our £99 Admin Fee Price Promise!

What’s included
Our one-time Admin Fee covers absolutely everything we do – from managing your finance to arranging collection from the Dealer – you don’t have to lift a finger!
Managing your order from A to Z including:
A dedicated Dealer Manager
A dedicated Finance Manager
Fast-track finance processing
Vehicle order priority
Conditon and value checks
Part Exchange management
Outstanding finance management
Fully refundable
Relax, if we cannot approve your finance or the vehicle is unavailable, your £99 is refunded in full – guaranteed! Another great reason to use Payment Swap, same payment, newer car!
Allow up to 10 working days for refund
What are you waiting for? 
See what you could swap to
Subscribe to our newsletter for all the latest news, reviews and blogs!

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.

Click here to see your activities