Hire purchase car finance
Car hire purchase is a financing plan available to both private individuals and companies.
Easy and fast: fill out our simple form and instantly receive your financing approval.
For everyone: private individuals, professionals and companies. Starters and business looking to expand. Bad credit history, no credit history, immigrants, foreigners – you get a chance.
Everything: hire purchase financing is available for new and used cars up to 12 years old.
Everywhere: choose any car from any dealer or seller from any EU country. We take care of the rest – technical and document check of the vehicle, delivery and financing.
Leave us a message or apply for financing your car now. Let’s grow together
We know a car can be essential. Mobility is crucial to everyone. But we go beyond words. We offer car financing to everyone. For an immigrant - starting his taxi business; for an individual - looking for his first car. We focus on you and your car. No frustrating papers, income statements and business plans for credit approval. New companies and starters, companies founded by foreigners or immigrants get a loan for new and used cars from us. Entrepreneurs with no credit history, bad credit history, good credit history, minimal income - we give everyone a chance for starting a business and contributing to economical growth.
Why is ESKA Finance different from my leasing company?
We are not a credit broker or big leasing company with one approach to all clients. We are a specialised lender – we understand the challenges that stand before MSMEs and we understand the machinery we finance. We can tell the difference between a DAF truck and a MAN truck and definitely we know a difference between a rotary and conventional harvester.
Our staff will help you choose the machine you need. And we do cross border leasing for used machinery.
No one else can offer such service.
Is hire purchase suitable for everyone?
Yes, hire purchase is good for every form of business, for every industry and every machinery type. You can use hire purchase to finance used truck, vehicle, LCV, construction machinery or agricultural machinery.
How does ESKA Finance work?
ESKA Finance provides fast and hassle free lending to MSMEs: financial leasing, hire purchase, asset based loans. We are the first pan-European lending company offering cross border financing for micro and small businesses for used vehicles, trucks, agricultural and construction machinery. We offer financing for those who have no credit history, good credit history, bad credit history. We offer inclusive financing for foreigners / immigrants and refugees to help them integrate in EU and create a better future. We help starting entrepreneurs to take possession of their future. We offer hassle free financing solutions to everyone across EU. And we do it very fast!
What is hire purchase?
Hire purchase is a form of buying in instalments. Say you want to buy a tractor and you don’t have enough money to pay for it. The easiest and the fastest way to buy it – is hire purchase. It is faster than financial leasing as requires less efforts and you can get your truck or other machinery as fast as one day after signing the contract. You have to pay and advance payment and monthly payments until you fully repay the truck and the sale goes through.
I chose a vehicle, filed the application, signed the contract, but the dealer sold the vehicle in the meantime
This situation can happen, though it is very rare. Don’t worry, we have the biggest database of machinery and vehicles in EU and our managers will find you and alternative. But if we don’t find anything – we will return the downpayment in full amount.
How soon can I drive my car?
It depends on where you choose to buy it and where is your country of registration. You will receive a credit decision within 15 minutes. If the car is in the same country as you are – you will get it within 3 working days maximum (5 days if we are talking about trucks and machinery).
If you choose the vehicle or machinery from another country it depends on the transport speed and availability, it can take from a couple of days to a week or two.
I want to buy a car from a friend. Do you provide loans for cars not purchased from a dealer?
Yes, we offer such an opportunity.
Who can be a supplier in a leasing deal?
The supplier is a legal or natural person who, in accordance with a sales contract with the lessor, sells the property that is the subject of the leasing. For example, this could be a car dealer from whom you plan to buy, a transport company or just a private person.
Can I pay off my loan or leasing early?
Yes! There are no penalties for early repayment.
What is the payment schedule?
It will depend on the terms of your leasing contract. We offer individual terms taking into account your business situation. Usually, these are equal and regular payments throughout the entire term of the leasing contract.
Can I extend the leasing term for a car?
Yes, you can. We will prolong your contract on the same terms.
Do I need to show proof of income?
No. We also do not require any other documents regarding your solvency. We are lenient towards existing loans and other financial obligations.
Can I get leasing from you if I already have loans from banks or other leasing companies?
Yes, we are lenient towards any other financial obligations, including loans, and are ready to finance you.
What is the maximum leasing term?
The maximum leasing term is 60 months. We want to make things as convenient as possible for you, as the longer the term, the lower the payment. This will make it almost imperceptible and super convenient for you.
Can I buy used machinery or a car in Germany and get a loan in Slovakia?
Yes. You can choose machinery or a car from Germany or any other country, and we will finance it and deliver it to Slovakia or any other EU country. Cross border financing is our speciality.
Are used machinery and vehicles financed on the same terms as new ones?
We offer individual terms for leasing new and used machinery and vehicles.
Any machinery or vehicles that are up to 15 years old can be financed on comfortable terms for you.
What are the criteria for used machinery and vehicles?
Leasing of used machinery and vehicles is carried out under the condition that the age of the transport does not exceed 15 years at the time of signing the contract. No other company in the EU will offer you such conditions, but we offer and finance it.
Is leasing available for individuals?
Yes! We finance legal and natural persons, micro-, small, and medium-sized businesses. So if you need a car on lease, we will definitely find the best option for you.
In which countries do you operate?
ESKA Finance is a financial company with 15 years of experience and operates in almost all countries of the European Union. We offer leasing and financing solutions to small businesses in Austria, Belgium, Spain, Italy, the Netherlands, Germany, Poland, Portugal, Romania, Slovakia, Slovenia, Hungary, France, Croatia, and the Czech Republic.
What documents are required?
To apply for financing with ESKA Finance, you will need to provide a passport and/or an extract from the trade register.
Hire purchase as a form of financing is relatively new for Europe. Basically it is a form of BNPL used for cars, vans, trucks and other machinery.
Hire purchase car financing is available to private individuals, professionals and companies. Car Hire Purchase is traditional form of finance for ESKA Finance.
It is very easy and transparent. Put a deposit, pay monthly payments, own your car after paying the last monthly payment and symbolic option to purchase fee.
With car hire purchase you can finance new and used cars. Age limit of used car for hire purchase is 12 years old.
How car Hire Purchase works. You pay the deposit. The deposit is deducted from the car price. You pay monthly payments. They are made of the remaining car value, interest, fees and insurance fee divided to monthly payment depending on the length of credit contract. Keep in mind the higher the deposit for the car and the longer the hire purchase term – the lower are the monthly payments. We offer deposit on car hire purchase as low as 10%, but we recommend to plan to have a 30% deposit for optimal monthly budget.
Benefits of car hire purchase finance are obvious: interest rate is fixed for the whole duration ofd the contract. Monthly payments are fixed and transparent. You can choose the length of the car hire purchase contract from 12 month to 60 month. You own the car at the end of the agreement.
How to apply for car hire purchase?
- Select the car from any dealer in the EU.
- Apply on line for financing
- Choose the size of the deposit you want to pay and the monthly payment that suits your budget
- Sign the contract on line
- Enjoy driving your car
- After you pay all the payments – you will own the vehicle
With hire purchase you own your car from the day one. Hire purchase is a form of buying on credit. If you want to buy a car but you dint have enough money – hire purchase is a great option.
Instalment sale of used cars — is reasonable solution for business. We provide cars, machinery, trucks or real estate financing on instalments in any EU member state. We finance in Austria, Belgium, Spain, Italy, Germany, the Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Hungary, France, Croatia and the Czech Republic.