CS finance stands for Conditional Sale finance, which is a type of vehicle finance that allows you to buy a car through manageable monthly payments. Under a CS agreement, the finance company buys the car, and you pay it back monthly. At the beginning of the contract, you put down a deposit, and the monthly payments cover the rest of the value of the car, including the interest. Unlike other types of finance, there are no extra costs or fees at the end of your contract. The key difference between a CS and Hire Purchase (HP) agreement is that you will become the legal owner of the vehicle once all repayments have been made to the lender, whereas on HP, there will be an option to purchase fee at the end of the contract before you legally own the vehicle. CS finance is a loan secured against an asset, which in this case is the vehicle, and it is a way to buy a car without the large upfront costs and get some freedom on the terms.