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Compare the costs of car finance and Credit Union borrowing before choosing how to fund your next car.
Example: £20K+ Vehicle Value
| PCP - Charles Hurst Used Direct | Harp & Crown Credit Union Loan | |
| Vehicle | Kia Sportage Estate | Kia Sportage Estate |
| Cost | £20,185 | £20,185 |
| Term | 48 months | 48 months |
| Interest Rate | 12.9% APR representative / 6.72% fixed | 6.9% APR |
| Monthly Payments | £306.98 | £482.42 |
| Total Payable |
£26,858.04** *Includes final balloon payment of £9,094.50 to own car after 4 years *Excess mileage fees may also apply. |
£23,156.11 *Own car throughout. *No hidden fees. *No final balloon payment. |
**Example dated 03/09/2026 (source: Charles Hurst Group website)
Plus, as a member you benefit from:
- Fixed rates
- NO hidden fees
- Interest charged only on the reducing balance
- FREE LIFE COVER*
- Loan Rebate* (£85,228 paid out in 2025)
(*Ts/Cs apply).
Already tied into a PCP agreement? Come to us to help with your final balloon payment!
So when you’re thinking about your next car purchase, choose YOUR Credit Union to help!
Questions? Get in touch today.
Email creditunion@harpandcrown.co.uk or phone 028 9068 5198.
The Harp and Crown Credit Union has been providing safe, ethical and flexible finances for the Police and wider Police family in Northern Ireland since 1998.
