Car Finance

Competitive rates, flexible finance options, and a smooth, stress-free process; we offer everything you need to get behind the wheel of your next car. Whether it’s finance for a used car or a new one, our customer-first approach is designed to save you money and make car finance simple, tailored, and hassle-free from start to finish.

  • Quick decisions and finance application turnaround

  • Expertise in many specialist sectors

We believe that all UK businesses have unique needs when it comes to accessing finance.

Car Finance

We all want to make the most of our money. Our car finance solutions are designed to deliver real financial benefits, while also offering convenience and peace of mind at every stage of the journey.

We are trusted car finance suppliers

Car finance is one of the most established forms of asset finance. And so there is a vast range of personal and business car finance products available when purchasing a vehicle. 

We are car finance suppliers who specialise in providing a wide range of transport finance options to companies and businesses of all shapes and sizes. We offer all of our customers the most suitable and competitive car finance facility to match their requirements. So whether you’re looking for low monthly car payments or financing a more high-end car, we can help.

All of our staff are personal and business car finance specialists with years, and in many cases decades, of asset finance experience in providing competitive car purchase finance and leasing.

We also have a long track record in performance and luxury cars finance, which often requires a specialist service and understanding of this market.

We have a vast range of car purchase finance products available, so we can support you with funds for anything from a single vehicle to a full fleet.

Unlike many other finance companies, we are a direct lender as well as a finance broker so we can often sort car finance deals where other brokers may struggle.

How does Car Finance work?

We like to make things simple. See our four-step process from securing car finance and sourcing your perfect vehicle to driving away:

Choose your vehicle

Find the vehicle you want to purchase and contact us.

Car finance payments and proposal

Understand your financial position and agree on an affordable payment profile.

Car finance loan approval and invoice from dealer

A quick decision and we request the invoice from the dealer.

Documents signed and supplier paid

You sign the car finance documents via email, and we pay the dealer – the vehicle is then yours.

Whether you have a car in mind or are looking to find out if car finance is suitable for you, our friendly team is here to help. Contact us and speak to one of our advisers today. 

FAQs About Car Finance

Car finance allows you to spread the cost of a vehicle over an agreed period through manageable monthly payments, rather than paying the full amount upfront. Depending on the type of finance, you may own the car outright at the end of the agreement or have the option to return or upgrade it.

Yes, it’s often possible to get car finance even with bad or limited credit. We consider more than just your credit score, such as your income and affordability, and there are finance options designed specifically for customers with less-than-perfect credit histories. Basically, whatever your situation, we’re open for a chat to discuss your options!

Car financing makes vehicles more affordable by spreading the cost over time. It can help you access a newer or better-equipped car, preserve your savings, and offer predictable, low monthly car payments that are easier to budget for. Some agreements also include added flexibility at the end of the term. So whether you’re looking for finance for a used car or one of the latest specs, our expert advisors are available to discuss your options.

The amount you can borrow depends on several factors, including the price of the car, your income, your credit profile, and our own criteria. Our car finance is typically tailored to ensure repayments are affordable for you.

Approval isn’t usually difficult, especially if you can demonstrate affordability and a stable income. While credit history plays a role, many lenders offer flexible criteria, so there are options available for a wide range of circumstances. Again, we’ll look into all aspects when you enquire through us so we can get an idea of the whole picture, not just your credit score.

The best type of car finance depends on each individual’s circumstances. We offer Hire Purchase (HP) and Personal Contract Purchase (PCP). If you’d like to discuss your options, we’re always available to discuss what finance product works best for you.

The 50% rule relates to Hire Purchase (HP) and Personal Contract Purchase (PCP) agreements. Once you have paid 50% of the total amount payable (including interest and fees), you have the right to voluntarily terminate the agreement and return the car, with nothing further to pay, provided the vehicle is in reasonable condition.

Other products you may be interested in

We offer a range of business financing solutions to meet the needs of various industries. Backed with decades of banking and finance experience, our team works with thousands of companies throughout the UK. We help them optimise cashflow and achieve their goals through a range of business finance solutions, including:

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Bus and Coach Finance

Whether you are looking for coach finance on a single vehicle or a whole fleet for your business, we take a bespoke approach to your bus financing, finding you the perfect fit for your needs and saving you money on your investment.

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Car Finance

Competitive rates, flexible finance options, and a smooth, stress-free process; everything you need to get behind the wheel of your next car.

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Classic Car Finance

Classic car finance is a tailored funding solution that helps you purchase vintage vehicles whether they are from a dealer or auction, and can even include restoration costs, all with competitive, specialist terms.

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Commercial Vehicle Finance

Drive your business forward with flexible commercial vehicle finance. Purchasing new fleet vehicles is a key investment for any business, which is why we offer tailored finance and leasing options for companies of all sizes. From LCVs and HGVs to minibuses and specialist vehicles, our solutions are designed to help your business grow.

Are you a Supplier looking for finance for your customers?

If you sell any form of equipment, machinery or commercial vehicles, why not offer point of sale finance to your customers? You can make supplier finance arrangements through any one of our group businesses, where local knowledge is backed by national support.