Do I own the car at the end of a zero deposit finance agreement?

It depends on which type of finance you've chosen:

With Hire Purchase (HP): Once you've made all your monthly payments, the car is yours. Job done!

With Personal Contract Purchase (PCP): At the end of the agreement, you'll have that final optional payment (sometimes called a balloon payment) to make if you want to own the car. If you don't want to keep it, you can simply hand the keys back (as long as you've stuck to your mileage allowance and the car's in good condition), or you can use any equity towards your next car.

We'll make sure you understand exactly what happens at the end of your agreement before you sign anything.