Current Together PWC Finance Rates - October 2026
| Rate Type | APR | Max Term | Min Finance | Product |
|---|---|---|---|---|
| Representative / Best Available | 9.9% APR | Up to 5 years | £5,000 | HP / Personal Finance |
| Typical Mid-Range | 13.7% APR | Up to 5 years | £5,000 | HP / Personal Finance |
| Maximum / Higher Risk | 17.5% APR | Up to 5 years | £5,000 | HP / Personal Finance |
*Example monthly payment based on £15,000 at mid-point APR (13.7%) over 5 years: £347/month, total repayable £20,802. Rates are indicative and subject to individual assessment. We act as a credit broker, not a lender.
Together PWC Finance - Market Context
Together Financial Services is a UK specialist lender founded in 1974, operating outside the traditional banking model as an unregulated lender for some product lines and a regulated consumer credit lender for others. Its consumer finance arm is FCA authorised and provides HP and personal lending on leisure assets including personal watercraft. Together's defining characteristic is its willingness to engage with cases that fall outside the credit scoring models of mainstream lenders.
For PWC buyers, Together is most relevant when the applicant has experienced financial difficulty in the past two or three years - a resolved default, a satisfied CCJ, a period of missed payments, or an IVA that has been discharged. Together prices this additional risk into its rates, which is why the floor of 9.9% and ceiling of 17.5% sit above most of our panel. However, for a buyer who would otherwise be unable to finance their purchase at all, the cost of credit at 12–15% may still represent a viable path to ownership.
Together also works well for applicants with multiple income streams - those combining employment income with rental income, dividends, or freelance earnings - where standard lenders may only credit one source. Its underwriters take a holistic view of affordability rather than relying solely on automated scoring.
PWC owners with adverse credit backgrounds should be particularly diligent about insurance, as some specialist insurers may apply their own conditions. Always declare the finance arrangement to your insurer and confirm that your policy covers the financed asset appropriately - failure to do so could invalidate a claim and leave you personally liable for the outstanding finance balance.
Strengths of Together for Jet Ski Finance
- Genuine appetite for non-standard credit cases including recent adverse history
- Considers applicants declined by mainstream panel lenders
- Strong in complex income scenarios - multiple income streams, recently self-employed
- Flexible approach to documentation and verification
- Experienced broker-facing team with good case management
Limitations to Consider
- Floor rate of 9.9% is above mid-panel average - not competitive for standard profiles
- Upper rate of 17.5% is the second highest in our PWC panel
- Minimum finance of £5,000
- Better suited to non-standard cases - mainstream applicants should start with other lenders