Hire Purchase

Hire Purchase

Get Your Next Car Today at Your Own Terms

Pukena offers you an great alternative to traditional car ownership by allowing you get for your next car and pay for it as long as you want. Our flexible model was made to handle all the twists and turns that life throws your way. You make a one-time start payment on the car og your choice , followed by a low monthly payment fo as long as you keep it, with the freedom to walk away at any time.

What cars are available?

Pukena lets ou choose from over 30 different brands. They're all high-quality, pre-owned and certified pre-owned cars, trucks and SUVs. Many cars are nearly new, but they're all less than six years old with fewer than 70,000 miles.

Who am I getting the car from?
Every Pukena car comes from a top dealership near you. Once you sign for a car in the app, our Pukena Car Team helps you coordinate delivery or pickup.

How it works

  • Fill out our online application form in details
  • Get pre-verified. Provide proof of income/ evidence of salary domiciliation.
  • Start Payment of 30% of the total value of the car you want to buy. The rest payments will be spread between 12 to 24 months period
  • Pick the car you want from any of our approved dealer partners. Provide a proforma invoice for your car of choice.
  • Sign and drive away!

Frequently Asked Questions

What is a Start Payment?
To keep monthly payments low without locking you in to a long-term contract, every car you get through Pukena requires a Start Payment. It's an upfront fee, based on the value of each vehicle and due at signing to drive away.

Can I return the car if I change my mind?
Yes. Pukena's 3-Day No Risk Return policy gives you up to 3 days and 100 miles after signing to bring your car back for a full refund of your Start Payment, as long as the vehicle is in good condition. Beyond 3 days or 100 miles, your Start Payment becomes non-refundable.

How do you determine my monthly payment range?
After you apply with, we do a "soft" credit check and run some data analytics to determine eligibility and a range of monthly payments that could work for you. Pukena is not a bank. We're not lending you any money. We're simply checking your ability to make your payment each month. This we do in partnership with reputable credit organizations such as banks and lending companies.

When is my first monthly payment due?
Unlike a traditional lease, Pukena doesn't bill you in advance. So your first monthly payment won't be due until 30 days after taking possession of your car.

What if I return my car in the middle of a monthly billing cycle?
After returning your car, your final monthly payment is pro-rated to reflect the number of days you've had the car since the last billing cycle closed.

What if I am not capable of continuing with my monthly payment for one reason or the other?
If you are not capable of paying your monthly installment for a month, the company has the right to recover the car and you and you will lose the previous payment made on the car.

I see estimated monthly payments. Where can I find actual prices?
Preview Mode shows estimated monthly payments. Once you create an account and get pre-qualified, we'll have the info we need to show you all cars you're pre-qualified for with real pricing.

Am I responsible for properly maintaining my car?
Yes, you are responsible for properly maintaining your car. But with routine maintenance included, oil and filter changes, tire rotations and multi-point inspections are covered.

What kind of coverage does Pukena offer?
Every Pukena car comes with a limited warranty, routine maintenance and roadside assistance included. Add optional Pukena insurance or extra wear-and-tear protection at checkout and bundle it all into one simple, transparent monthly payment.

Ready to pick your car? Get started below!