Financial Inclusion

At Finclusion, inclusion isn’t just part of our name — it’s the foundation of how we lend.

Millions of people in the UK face barriers to affordable finance because of thin credit files, past financial challenges, or limited access to mainstream banks. We believe that shouldn’t stop anyone from moving forward.

Our approach focuses on affordability, transparency, and opportunity.
By using technology, open banking, and responsible data insights, we can understand each customer’s real financial situation — not just their credit score.

We make fair, consistent lending decisions designed to help customers build or rebuild their financial standing, while ensuring repayments remain sustainable.

We’re committed to:

  • Making finance more accessible to people who’ve been underserved by traditional lenders

  • Supporting responsible borrowing through clear, simple communication

  • Detecting and supporting customers who may be vulnerable or facing financial difficulty

  • Promoting inclusion and equality across our dealer and partner network

Finclusion exists to create a fairer, more inclusive motor finance market — one where everyone has a genuine opportunity to succeed.

Hire Purchase Explained

Hire Purchase (HP) is one of the most straightforward ways to finance a car — and it’s the type of agreement Finclusion offers.

With HP, you spread the cost of your car into fixed monthly payments over an agreed term. Once you’ve made all payments (plus an Option to Purchase fee at the end), the car becomes yours.

How it Works

  1. Choose your car
    Find the right vehicle through one of our trusted dealer partners.

  2. Apply for finance
    We’ll carry out a quick affordability check using a soft search that doesn’t affect your credit score.

  3. Make fixed monthly payments
    You’ll pay an agreed amount each month for a set term, between 24 and 48 months. Payments stay the same throughout your agreement.

  4. Own the car outright
    Once you’ve made all your payments and the Option to Purchase fee, the car is legally yours.

Key Benefits of Hire Purchase

  • Simple and predictable – fixed payments make budgeting easy

  • No mileage limits or balloon payments

  • Own the car at the end of the agreement

  • Build your credit profile with regular payments

Important to Know

  • The vehicle remains the property of Finclusion until all payments are made.

  • You must keep the car fully insured, maintained, and in good condition.

  • You have the right to voluntarily terminate the agreement once 50% of the total amount payable has been repaid.

  • Early settlement is allowed at any time — we’ll provide a settlement figure on request.