Car finance is a method of buying a car while spreading the payments. It gives you access to a vehicle you may not otherwise be able to afford upfront. It’s a simple process; get approved for finance, pick your car and state you contract length; then we’ll take care of the rest!
What is car finance and how does it work?
How long does an application take?
You can complete your initial application in minutes. And we always aim to get your finance approval the same day. Once that’s in place, it’s a case of getting your car ready, completing the paperwork and organising delivery. Depending on the vehicle, it can sometimes take as little as 48 hours from application to delivery.
Begin your preapproval application
How long is a car finance agreement?
Our car finance agreements last between 12-60 months, but our most common contracts are 36-48 months.
How many cars do you have in stock?
We have over 1000 vehicles in stock at our state-of-the-art showroom in Lancashire. But if you can’t see what you’re looking for on our website, we’re happy to source it for you.
Find a car
Can I buy a new or used vehicle?
We offer both new and used cars from various manufacturers, such as popular brands like Ford and niche brands like Infiniti. We also stock electric cars, hybrid cars, automatics and driving instructor cars. Plus, we have a range of vans, such as standard small and large vans to specialist vans.
Can I get finance for a van?
You can finance for a van, for business or personal use. We offer bad credit and no deposit options on all our vans, and stock vans of all sizes from all the best manufacturers
Learn more about van finance
Can I get finance for an electric car?
We'll all have to drive electric vehicles at some point, so we're helping the nation get started. That's why we offer electric vehicles from all the biggest manufacturers. And we offer no deposit and bad credit deals on all our electric vehicles.
Learn more about electric car finance
No, we only offer finance on cars and vans, because we provide our customers with the chance to get those vehicles and a finance agreement in one hassle-free package.
Do I need to arrange a mileage commitment?
Not if you’re taking out a hire purchase agreement as you’ll own the car at the end of the deal. If you’re arranging a personal contract purchase or personal contract hire agreement, you’ll be subject to mileage conditions.
Can I change my mind once I’ve signed the agreement?
If the car is not up to your satisfaction upon arrival, you can reject it there and then. We also offer a seven-day money-back guarantee on all our vehicles, and you have a 14-day cooling-off period with your lender. If you change your mind after seven days have passed, you can cancel it. However, cancellation charges may apply.
What is hire purchase and how does it work?
Do I need to buy the car in person?
No, we can complete your application online or over the phone, or a mixture of both. We ensure all data is safe and all transactions are secure. You can come and collect your vehicle from our showroom in Lancashire, or we can deliver it to your door.
Find a car
How soon can I get my car?
It depends on whether you buy new or used. Our in-stock used vehicles can be with you in a matter of days, while new cars will have some lead time on them as the manufacturer will need to produce and deliver them.
Find a car
What do I do if I can’t make my payments?
If you can’t make your payments for whatever reason, you need to let your lender know as soon as possible. They’ll see if they can help and let you know what to do next. The earlier you contact your lender, the more options you have.
Can I settle my finance early?
Yes, you can settle your finance agreement early; however, it may cost you to do so. Check your contract before settling your finance to see if it comes with any early repayment charges.