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Yes. Hybrid cars are financed in exactly the same way as any other vehicle. Both HP and PCP are available for hybrid vehicles, including mild hybrids, full hybrids, and plug-in hybrids (PHEVs).
Via Brumble, you can finance a hybrid car from any verified UK dealer. The process is the same as financing a petrol or diesel car. You check your eligibility via a soft search, choose your car, and agree a finance agreement. Subject to status and affordability.
Some lenders are actively encouraging electric and hybrid vehicle finance as part of the shift to lower-emission motoring. This does not mean easier approval, but it means the products are well-established and widely available.
Not all hybrids are the same, and understanding the difference can help you choose the right car for your needs.
A mild hybrid (MHEV) uses a small electric motor to assist the petrol or diesel engine. It cannot drive on electric power alone but improves fuel economy slightly. These are the most common and usually the cheapest type of hybrid.
A full hybrid (HEV) can drive short distances on electric power alone at low speeds, such as in traffic or car parks. The battery charges itself through regenerative braking and the engine. You never need to plug it in. Toyota and Lexus are well-known for this type.
A plug-in hybrid (PHEV) has a larger battery that you charge from a wall socket or charging point. It can typically drive 20 to 40 miles on electric power before the petrol engine takes over. Running costs can be very low if you charge regularly and do mostly short journeys, but fuel consumption increases significantly once the battery is flat.
Whether a hybrid saves you money depends on how you drive and which type of hybrid you choose.
Full hybrids tend to deliver genuine fuel savings in urban and stop-start driving, where the electric motor does more of the work. On motorway journeys, the savings are smaller because the petrol engine runs most of the time.
Plug-in hybrids can deliver very low running costs if you charge regularly and do mostly shorter journeys within the electric range. However, if you rarely charge the battery and drive long distances, a PHEV can actually use more fuel than a conventional car because it is heavier.
Mild hybrids offer the smallest fuel savings. They are better thought of as slightly more efficient petrol or diesel cars rather than genuine alternatives to fossil fuels.
For a broader look at what it costs to run different types of vehicles, see our electric car running costs guide and our cost of running a car calculator.
Hybrid cars can offer tax advantages compared to pure petrol or diesel vehicles, though the specifics depend on the type of hybrid and its CO2 emissions.
Road tax (Vehicle Excise Duty) is based on CO2 emissions for cars registered after April 2017. Hybrids with lower emissions pay less road tax than higher-emission petrol or diesel cars. However, the rules have changed over time and there are different rates for different registration dates. Check the specific car's tax band using our tax checker.
Plug-in hybrids that meet certain emission thresholds may qualify for lower benefit-in-kind (BIK) tax rates if used as a company car. This can make them particularly attractive for company car drivers. The exact rate depends on the car's electric range and CO2 emissions.
Some hybrid and plug-in hybrid cars are compliant with clean air zones and ULEZ, which means no daily charges in cities like London. Check ULEZ compliance for any vehicle using our tax checker.
Before choosing a hybrid, think about how you actually drive. If most of your journeys are short and urban, a full hybrid or plug-in hybrid could save you money on fuel. If you mostly do long motorway trips, the benefits are smaller and a conventional efficient diesel might be more cost-effective.
If you are considering a plug-in hybrid, think about where you will charge it. If you can charge at home or at work, you will get the most benefit. If charging is inconvenient and you rarely plug it in, a full hybrid that charges itself may be a better choice.
Hybrid cars tend to have a higher purchase price than equivalent petrol or diesel models. Whether the fuel savings offset the higher finance cost depends on your mileage and driving patterns. Our cost of running a car calculator can help you compare the full picture.
If you are thinking about going fully electric instead, explore our EV Zone for more information on electric car costs, charging, and grants.
Wondering how much car finance you can get on your salary? Use our calculator to estimate monthly payments based on the car price, your credit grade and preferred term length.
Check your eligibility for both HP and PCP deals in minutes (Representative 19.8% APR) - with no impact on your credit score. Our partner uses a soft search to give you a quote. If you proceed, a hard search will be conducted which may impact your credit score.
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If you are already paying for a car on finance, make sure you are not overpaying on your car insurance too. Comparing quotes from multiple insurers is the easiest way to check you are getting a competitive deal.
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Common questions about hybrid car finance.
The finance process is the same, and the interest rate depends on your credit profile, not the type of car. However, hybrid cars tend to have a higher purchase price than equivalent petrol models, which means the amount financed and the monthly payments could be higher. Lower running costs may offset the difference over time.
Many hybrids hold their value well, particularly popular models from Toyota, Lexus, and BMW. Strong residual values mean the balloon payment on PCP is lower relative to the purchase price, which keeps monthly payments competitive. However, residual values depend on the specific model and market conditions.
A mild hybrid has a small electric motor that assists the engine but cannot drive on its own. A full hybrid can drive short distances on electric power and charges itself. A plug-in hybrid has a larger battery you charge externally and can typically drive 20 to 40 miles on electric power alone.
It depends on how you drive. Full hybrids save the most in urban stop-start driving. Plug-in hybrids deliver the best savings if you charge regularly and do mostly short journeys. On long motorway drives, the savings are smaller. Mild hybrids offer only modest improvements.
No. Since October 2021, hybrid vehicles no longer qualify for the congestion charge discount in London. Only fully electric, zero-emission vehicles are exempt. Hybrids that meet the emissions standards are ULEZ compliant, but ULEZ compliance and congestion charge exemption are separate things.
For many people, yes. A hybrid gives you some of the fuel and emissions benefits of an electric car without the concerns about range and charging infrastructure. A plug-in hybrid is the closest to an electric experience while still having a petrol engine as backup. A full hybrid is the simplest transition, as it charges itself and drives just like a normal car.
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