VEHICLE Funding

At Darlington Cars,  we believe driving your next car should be simple, affordable, and stress-free. That’s why we offer a range of flexible finance solutions designed to suit your lifestyle, your budget, and your future plans.

Whether you’re looking to spread the cost, upgrade more regularly, or work towards ownership, our tailored finance options make it possible—without the hassle.

Your Options, Briefly And Clearly Explained

• PCP (Personal Contract Purchase)

Enjoy lower monthly payments with the flexibility to choose at the end of your agreement. You can keep the car, return it, or upgrade to something new.

• Hire Purchase (HP)

A straightforward path to ownership. Fixed monthly payments mean you’ll own the vehicle outright once the agreement is complete.

• Lease Purchase

Ideal if you’re planning ahead. Lower monthly costs with a final payment at the end, giving you full ownership of the vehicle.

Why Choose Finance with Darlington Cars?

We combine quality vehicles with trusted, transparent service—so you can make confident decisions every step of the way, working closely with you to find a finance package that fits comfortably into your budget, with no hidden surprises.

Peace of Mind, Guaranteed

From your first enquiry to driving away, we’re here to support you. Our finance is available on request via our trusted partner, meaning we take the time to understand your needs and present options that truly work for you.

Darlington Cars Limited (FRN: 1045430) is an introducer appointed representative of Meridian Finance Partners Ltd which is authorised and regulated by the Financial Conduct Authority (firm reference number is 661646).

Meridian Finance was established in 1992 to help local dealers and customers with their financial requirements. Over the last 25 years Meridian has increased their portfolio of lenders and financial products and now offers their services to businesses and individuals alike across the whole of the UK. They are an independent finance broker and are linked to a range of financial providers, which helps ensure that they can achieve the best possible deal for you on your new car.

Common services provided by Meridian Finance Partners:

• Personal Contract Purchase (PCP) - PCP is available for all cars up to 5 years old, and for some prestige and sports car up to 7 years old. You choose how much deposit to put into the agreement, and Meridian Finance arrange to finance the remainder for you over a set period (typically between 24 and 48 months.) At the end of the finance agreement, there is a final optional balloon payment. You can either pay this balloon payment to keep the car, or simply hand it back to the finance company without further charges (other than excess mileage or damage charges.)

• Hire  Purchase (HP) - Hire Purchase is the most common form of car finance and is available for vehicles of all ages. You choose how much deposit to put into the agreement, and Meridian Finance arrange to finance the remainder for you over a set period (typically between 24 and 60 months.) Once you have made all payments on the agreement, you will own the vehicle outright.

• Lease  Purchase - Lease Purchase is similar to Hire Purchase, and is available for most cars. You choose how much deposit to put into the  agreement, and Meridian Finance arrange to finance the remainder for you  over a set period (typically between 24 and 48 months.) At the end of the finance agreement, there is a lump sum payment that you must pay to own the car.