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How Does Car Finance Work?

Green Seat Leon
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What is car finance?
Used car finance is becoming incredibly popular, with 74% of people using finance products to help get themselves into their perfect car. Car finance is sometimes known as HP (Hire Purchase) and is a simple way for you to purchase a car and pay for it in fixed monthly instalments. These payments are usually spread between 24-60 months, and the application process is incredibly simple. If you choose a longer period of times (60 months for example) then your monthly payments will be smaller. However, you will have to pay more interest the longer your repayment period, so make sure to have a good think about your budget and what deal you’re looking for.

How does it work?
Our aim is to make car finance as simple as possible for everyone to use.
The process happens in four simple steps.

  • You can apply (either on the phone on online) and our account managers will take a couple of key details from you such as your employment history and current address.
  • We’ll keep you up to date with the lender’s decision and work closely with you.
  • Once you’ve been accepted, we’ll help you to find your perfect car. If your ideal car isn’t there, we can source it for you.
  • From there you can come and collect your car, or have it delivered straight to your door.

We make sure that all of our cars are prepared fully before we put them on sale, and all of them will either come with a manufacturer’s warranty or a complimentary 3-month warranty. However, you can always add on extra warranty and insurance products afterwards. We also have a huge range of vehicles in stock to choose from. So we can help you get any car, whether it’s a little city car or a 4×4 to fit your whole family. Even if we don’t have it in stock, we can easily source it for you.

Benefits of car finance?

  • The whole process is quick and simple, and is much more flexible than taking out a bank loan.
  • Bad credit car finance is an option, so even if you have a poor credit history, we can still help. With access to a number of lenders and help from our experienced team, we can help people with a wide range of credit backgrounds into their perfect car.
  • You don’t have to pay a deposit, and we won’t charge any early repayment or administration fees either.
  • All of our cars are fully valeted and go through the necessary workshop checks so that they can be prepared to BVRLA standards.
  • You can still be considered for finance even if you’re self-employed.
  • Our helpful team will source the perfect car for you.


Representative Example of Credit

We expect more than 51% of our customers to achieve this rate.

Loan AmountTotal Cost of CreditRepresentative APR48 Monthly PaymentsDeposit AmountLoan TermTotal Amount Payable
£7,500£3019.1619.1% APR£219.77£048 Months£10,519.16

We are a broker not a lender and our registered office is Trident Park, Trident Way, Blackburn BB1 3NU. Our contact number is 01254 919000

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