0% in-house finance

Split the cost of your HGV course - 0% interest, direct with us.

If external finance isn't for you, we offer our own 0% in-house payment plan. No lenders, no interest, no credit check - just a straightforward agreement between you and HGV Academy.

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0% interest

You pay the course price and not a penny more - no APR, no admin fees, no surprises.

Direct with us

No third-party lender, no bank, no credit brokers. The agreement is between you and HGV Academy.

Split across 4 months

£800 starter payment to get going, then 3 equal monthly instalments by standing order until the course is paid off.

Bad credit welcome

No soft or hard credit search - anyone is welcome. Once you're happy, you sign our agreement and we get started.

How it works - 4 stages

£800 starter + 3 monthly payments. Each stage unlocks the next part of your course.

£800 starter payment

Your £800 starter payment gets things moving - we book your medical and send out your theory revision kit. Once your licence comes back from the DVLA after your medical, we book your theory tests.

Month 2 payment

Your second monthly payment lands. If you selected PPE (safety boots & gloves) in your quote, it's dispatched to you this month.

Month 3 payment

Third payment clears - we book your CPC Module 4 (practical demonstration) test.

Final payment

Final payment clears - we book your CPC 3a and 3b tests and start scheduling your driving lessons so they line up with your test dates.

Heads up - the in-house plan takes longer. Because your CPC 3a/3b tests and driving lessons are only booked after your final payment clears, this route takes longer than paying with external finance or paying in full up front. If you want to start driving sooner, those routes are faster.

The rules

We keep it simple. Here's exactly how our 0% in-house payment plan works so there are no surprises down the line.

You must be 18 or over and a UK resident.
An £800 starter payment is required to get things underway.
You'll sign a written in-house finance agreement with HGV Academy before training begins - it sets out your payment dates, amounts and totals in black and white.
The remaining balance of your quote is split equally across the next 3 months (e.g. a £3,200 quote = £800 starter + 3 x £800 monthly).
Payments are made by standing order or bank transfer on an agreed date each month.
CPC 3a and 3b lessons and test dates are only booked once your final (4th) payment has cleared - no exceptions. This means the in-house plan takes longer than paying in full or using external finance.
Late payments incur a £50 fee per missed payment, as set out in your signed agreement. Repeated missed payments may pause your training until the account is up to date.
Struggling to pay? If you're experiencing financial trouble and can't make a payment or pay on time, let us know as soon as possible - we'll do our best to work with you and find a way to keep your training moving so you still get your licence.
The starter payment is non-refundable once your medical has been booked and your theory kit has been accessed, in line with our standard terms.
This is a private payment plan, not a regulated credit agreement - it is not reported to credit reference agencies.
0% in-house finance is offered at our discretion and can be withdrawn if the agreement is not kept.

Important: in-house finance is a private payment plan offered directly by HGV Academy - it is not a regulated consumer credit agreement. If you'd prefer a longer repayment period or an official credit product, take a look at our Ideal4Finance page.

Ready to lock in your training?

WhatsApp us with your quote reference and we'll set up your 0% in-house plan the same day.

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