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HP and PCP available, subject to status
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Representative 19.8% APR. 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. ?We're partnered with Car Finance 24/7. As an Introducer Appointed Representative of Carfinance247 Limited (FCA FRN: 653019), we receive a commission if you purchase finance products through the link above. We do not provide advice or make recommendations.
*A soft search has no impact on your credit score. If you choose to proceed with a full application, a hard search will be carried out which may impact your credit score.
Lexus sits in the premium segment alongside BMW, Mercedes, and Audi, though Lexus distinguishes itself through its focus on hybrid powertrains and its reputation for reliability. A used UX or IS sits at the more accessible end, while a used RX or LC is a larger commitment.
The monthly cost depends on the model, the amount you borrow, the term length, and the APR you are offered. Rates start from 9.9% APR. Representative 19.8% APR.
Lexus is the luxury division of Toyota, which means it benefits from Toyota's engineering and reliability reputation. Most Lexus models are self-charging hybrids, which means lower fuel costs without the need to plug in. This could help offset the higher purchase price compared to mainstream brands.
Use the calculator further down this page to estimate monthly payments.
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.
Lexus is one of the most popular brands to finance in the UK. Whether you are looking at a used NX or a used IS, HP and PCP are both available via Brumble. Once approved, you can get your car from any verified UK dealer. Here are some of the most commonly financed Lexus models.
Lexus NX
Lexus' best-selling model in the UK. Used NXs could offer a premium SUV experience with hybrid efficiency.
Lexus RX
A larger luxury SUV. Used RXs have a reputation for reliability drawn from Lexus' Toyota heritage.
Lexus UX
A compact premium crossover. Could offer an accessible entry point into Lexus ownership on finance.
Lexus IS
A compact executive saloon rivalling the BMW 3 Series and Mercedes C-Class. Available as a hybrid.
Lexus LBX
Lexus' newest and smallest model. Used examples are starting to appear on the market.
Lexus LC
A luxury coupe for enthusiasts. Niche but distinctive. Used LCs have depreciated from a high starting price.
The amount you can finance depends on your individual circumstances. Subject to status and affordability.
With HP (Hire Purchase), you make fixed monthly payments and own the Lexus at the end of the agreement. No mileage limits apply. Lexus builds cars with a reputation for lasting well, drawing on Toyota's engineering. HP could be a practical choice if you plan to keep the car long-term.
Find out more about HP car finance →
Lexus PCP gives you lower monthly payments than HP. At the end, you can hand the car back, pay the balloon to keep it, or use any equity towards your next car.
Lexus models have a reputation for being in demand on the used market, partly due to reliability and the growing popularity of hybrid powertrains. If your Lexus holds its value, there is potential to build equity. Used car values depend on supply, demand, condition, and mileage, so this is never guaranteed.
Lexus PCP is often available on models such as the NX, RX, UX, IS, and LBX, subject to status.
Find out more about PCP car finance →
With both HP and PCP, you have the right to end the agreement early through voluntary termination or early settlement.
Both HP and PCP may be available with no deposit on many Lexus models, subject to status and affordability.
Via Brumble, you can check what options you could be eligible for with a soft search. There is no impact on your credit score. If you then choose to proceed, a hard credit search will be carried out which may impact your credit score.
Leasing and finance are different. With a lease, you never own the car. With finance, you have the option to own it.
Lexus builds cars that are known for longevity. Many owners keep them well beyond typical finance terms because they continue to perform reliably. HP gives you full ownership so you can keep driving without ongoing payments.
With PCP, if the used market remains favourable, there is potential to build equity. Leasing removes that opportunity. Finance also gives you voluntary termination rights and the freedom to personalise your car.
Yes. Both HP and PCP may be available on used and second hand Lexus models from verified UK dealers. Via Brumble, you can finance a used Lexus from any verified dealer, not just Lexus franchised centres.
Most lenders allow the car to be up to around 14 to 16 years old at the end of the agreement, though this varies. Lexus models, particularly the hybrid variants, have a reputation for ageing well mechanically.
Nearly all Lexus models are self-charging hybrids, which means you get the benefit of hybrid fuel economy without needing to plug in. This could lower your running costs compared to conventional petrol or diesel alternatives. See our hybrid car finance page for more.
Check the car's history with our MOT checker and tax checker. Our Lexus reliability report covers common issues by model.
Lexus models are premium-priced, so borrowing amounts tend to be larger than mainstream brands. The UX and IS are the more accessible entry points.
If you have a lower credit score, our bad credit car finance page may help. A guarantor could strengthen your application for a higher-value vehicle.
According to DVSA MOT data analysed by Brumble, Lexus has a national MOT pass rate of 83.9%, based on 0.15 million tests in the 2025 test year. The national average across all brands is 72.4%.
This places Lexus above the national average, which could indicate that used Lexuss may be less likely to have issues at MOT time compared to some other brands. However, individual results depend on the car's age, mileage, and maintenance history.
The most common MOT advisory and failure items on Lexus vehicles include brake disc wear, suspension bushes, and tyre condition. Checking these areas before purchasing could help you avoid unexpected costs during your finance agreement.
Our free MOT checker lets you look up any vehicle's full MOT history by registration number. For a more detailed assessment, our Lexus reliability report breaks down pass rates by model, age, and mileage.
Source: Brumble analysis of DVSA anonymised MOT test results, 2025 test year. Published under Open Government Licence v3.0.
Lexus occasionally runs 0% promotions on selected new models. These promotions, sometimes described as zero interest or 0% APR, are not available all the time and not available on used cars.
Brumble's partner offers used car finance as an alternative. Rates start from 9.9% APR, subject to status.
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.
Check Your EligibilityThere are lots of ways to approach car finance, and the right option depends on your circumstances. Whether you have bad credit, need a no deposit option, or just want to understand PCP vs HP, we have a guide for you.
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Guide
Understand the key differences between PCP and HP finance, so you can pick the option that suits how you plan to use the car.
Guide
A plain-English overview of how car finance works in the UK, including deposit, APR, terms, and what happens at the end of the agreement.
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Common questions about Lexus car finance.
Lexus is Toyota's luxury division and shares Toyota's engineering, platforms, and reliability reputation. The main differences are in materials, refinement, equipment levels, and the ownership experience. Lexus models tend to cost more than equivalent Toyotas but may offer a more premium experience.
The NX is Lexus' most popular model. Monthly payments depend on the age, specification, term, and APR. Use the calculator to estimate. Representative 19.8% APR.
Lexus self-charging hybrids offer lower fuel costs without the need to plug in. They also have a reputation for reliability. Both HP and PCP may be available on used hybrid Lexus models. Subject to status.
Lexus consistently ranks among the most reliable car brands in the UK, drawing on Toyota's engineering heritage. This reliability reputation could also support used values, which may be relevant for PCP.
It may be possible, though the higher borrowing amounts could make it more challenging. A guarantor or larger deposit could help. A soft search lets you check with no risk. Subject to status.
Many finance options are available with no deposit, subject to status and affordability. A deposit could reduce your monthly payments.
Yes. Request a settlement figure from your lender at any time. With HP, you also have the right to voluntary termination once you have paid at least half of the total amount payable.
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