Car Finance

The honest answer is that it depends on the person. Some people love the idea of buying their cars outright and enjoying total ownership. But other customers are looking at their car needs through the lens of a monthly subscription, much like they do with their mobile phone plans, gym memberships, or streaming services.

For many, having the savings to buy a new vehicle outright isn't quite feasible, and that's where car finance comes in. It opens a world of possibilities, making the latest models accessible to a much wider range of customers.

To qualify for financing on a vehicle, you need to be at least 18 years old and have a full UK driving licence. A good credit rating is also preferable for all finance agreements. Speak to one of our team to discuss this further.

Sub-prime finance is not guaranteed and may cost more than finance provided by a prime lender. We will try to obtain finance for you but there is no guarantee. It may be from a sub-prime lender, and if so, the cost of finance may likely be at a higher rate than prime lenders offer.

There are a few online platforms where you can check your credit rating with finance lenders. We can also do a ‘soft credit check’ which is a partial background check that provides a quick answer about your eligibility. The great thing is that soft checks won’t affect your credit score like some ‘hard credit checks’ might, so there is no disadvantage to performing one.

APR, or Annual Percentage Rate, is the interest you pay each year on money borrowed from a lender. In Personal Contract Purchase (PCP) agreements, APR interest rates are included in the overall vehicle costs, which is why you’ll notice a difference between the initial 'Cash Price' and the 'Total Amount Payable' at the end of the agreement. Some PCP deals offer 0% APR meaning you won't have to pay any interest when financing your vehicle!

We do not include insurance with our finance packages. While some manufacturers may occasionally offer free servicing or other perks, our finance deals mainly cover the cost of the vehicle – insurance, servicing, MOTs, parts, and repairs aren’t included. That said, all our vehicles come with warranties of different lengths, and you can find more details in our dedicated warranty section.

Our website makes it easy for you to create a personalised finance deal on any of the used vehicles we have in stock. Once we confirm that your offer has been accepted, you'll receive an order confirmation via email. At that moment, a contract will be established between you, us, and the finance company for the use of your new vehicle.

We want you to feel secure, so our website is 100% secure, with payments handled by our trusted payment partner, Stripe, and its global affiliates.

You’ll be responsible for the vehicle throughout the finance agreement period. Any damage or repairs needed during this time will fall under your care.

While your car insurance can cover potential accidents, we also provide a variety of additional protection packages for your peace of mind. These include SMART Repair for any minor cosmetic scuffs or scratches, GAP Insurance to protect against any financial shortfall in insurance payouts, and Tyre & Alloy Wheel Insurance.