The best replacement for hire purchase is finance lease.

The best alternatives to hire purchase are rated as following:
★★★★★  finance lease
★★★★  chattel mortgage
★★★★  pcp
★★★  leasing
★★  operating lease
★★  bank loan
★★  personal contract purchase
★★  novated lease
★★  lease car
★  contract hire
★  car loan
★  aitab
★  financial lease
★  lease purchase
★  conditional sale
  personal loan
  lease van
  installment
  conventional hire purchase

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Google Trends

Scale is based on the average worldwide traffic of hire purchase in all years. Click on graph for more.
hire purchase
finance lease
chattel mortgage