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Buying on finance

The lenders decide the terms. We make sure the car and the paperwork are not what holds it up.

    Nine lenders, one conversation. Get matched to one.

    The short version

    What financing a car here actually involves

    Most cars leave our floor on finance. What that actually means is a conversation with a lender about your income, your deposit and how long you want to be paying — and a set of papers that has to reach the right desk in the right order. We do not lend money and we do not set the terms. What we do is make sure the car, the valuation and the paperwork are not what slows it down.

    Nine lenders. One conversation at the counter.
    • Start with the car and the total

      Before anything else we work out what this specific car costs you to own — the price, the transfer, the insurance, and what it drinks. A repayment you can meet on a car you cannot run is not a good deal.

    • Pick a lender and apply

      You choose who to borrow from — your own bank, or one of the lenders below. We prepare the valuation, the proforma and the vehicle documents they will ask us for, and send them across.

    • Approval, then handover

      The lender decides, and they set the rate and the period. Once the funds are confirmed we complete the transfer and hand over the car, the keys and every document that belongs with it.

    Get matched with a lender

    Tell us the car, what you can put down and how long you want to pay over. We will come back with which of our lenders fits, what they will ask you for, and what the next step is.

    This is not a loan application and it is not a credit check. Nothing here is submitted to a bank until you have spoken to somebody and agreed to it.

    Preferred lender (you can change your mind later)

    We pass your details to the lender you choose; they decide the rate, the term and the outcome. Naming one here does not commit you to it, and you are free to use your own bank instead.

    What we do not do

    A dealership that promises you finance is promising something it does not control. Here is the line, so you know exactly who to ask for what.

    1. We do not lend, and we do not decide who is approved.

    2. We do not set interest rates, deposits or repayment periods — the lender does, in writing, to you.

    3. We cannot promise a decision by any particular date.

    4. We are not licensed financial advisers. Read the lender's offer letter, and take advice on it if you are unsure.