How Finance Works

If you are looking to buy a car, bike, van or motor home and don’t want to pay all of the money up front, you can spread the cost using finance. We have a range of repayment options & our experienced team can cater for almost all circumstances, however the overall process will always go one of two ways:

Option 1: pick a vehicle & then apply for the finance

If you have already chosen a vehicle, you can get a rough idea of the monthly payments using our on-line calculator.  For an exact figure, we need to take an application & our team will then try to secure an offer from one of our lenders. You can apply on-line or call our team on 01926 498 434. 

Once your application is approved we can confirm your interest rate and exact monthly payments. If you are happy with the offer, you’ll need to sign some loan documents & can then collect your new vehicle.

Option 2: get your finance in place & then find a vehicle that fits your budget

If you prefer to get your finance in place first, we can arrange a credit line. Once your loan has been approved by one of our lenders, you will know the interest rate and the maximum amount of money you can borrow. We will also be able to advise of any restrictions, such as the age of the vehicle or the maximum mileage.

We have thousands of cars, bikes and commercial vehicles available from 100+ dealers across the UK and our team will be more than happy to work with you to ensure you find something that meets your requirements. Once a suitable vehicle has been located, we will run you through the loan documents before you take delivery.

How much can I borrow?

We can offer finance from as little as £1,000, with no upper limit. Our specialist lenders can cater for balances in excess of £250,000 and have products suitable for supercars, hypercars and classics.

Finance for supercars hypercars and classics
What finance options are available?

The majority of our customers opt for Hire Purchase, which means the cost of the car, motorbike or vans will be split into 12 to 84 equal monthly payments. Sometimes the first or last payments can be slightly higher than the rest, if the lender charges any admin fees.

If you’re looking to buy a motor home, we can stretch the length of the loan up to a maximum of 12 years (144 months).

Hire Purchase is more commonly known as HP and means the lender will secure an interest in the vehicle. We can also offer personal loans, which are not secured against the vehicle, up to a maximum of 60 months, as well as Personal Contract Purchase (PCP) and Lease Purchase (LP).

Am I eligible for finance?

We do not guarantee that your application will be approved, but with more than twenty years experience, our team can cater for almost all circumstances.

Am I eligible for car bike or van finance

We have options for customers with good & bad credit and our lenders will accept those who are fully employed, part-time employed, self-employed, retired, or in receipt of benefits. So long as you are over 18 and not currently bankrupt, you will meet our eligibility criteria. 

Some lenders require a full UK driving licence, but we do have options for people with provisional and European licences, as well as those who are unable to drive.

Want to know more? We cover a range of frequently asked questions in our finance blog.



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