How it Works

Our process explained

Our Process Explained

Swap your Car Online with no hassle
1. Tell us about your current car
Tell us your reg number and how much you have left to pay. Our clever site will calculate your equity (car value minus any finance) and add this 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 thousands of 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 deal 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. 

4. We'll process your order

We'll process your finance application, get your new car prepped and contact you if we need anything additional info. At this stage you can sit back and relax!

5. Time to Collect

Drive to the Dealership where your new car is based - swap keys - and drive away. You leave your old car with the Dealer. Easy! No haggling and no hassle. If you'd like to take a test drive beforehand then by all means do so. 

6. 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

    About our £99 Admin Fee Money Back Guarantee!

    What are you waiting for?

    See what you could swap to
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    Enter your reg number and let's get started!
    Not got a car to trade in? Click here