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Car Finance2020-04-29T17:02:42+01:00

Get your car finance first

Get your car finance first

Any car | Any dealership | No deposit | All credit scores considered

Get a quote

No obligation, no impact on your credit score

Rates from 5.9% APR. Representative APR 18.9%

Why do I need car finance

In a nutshell, because it really is one of the best ways to get your hands on that new or used car you’ve had your eye on. With car finance you can:

1. Have the money in place first – leaving you free to concentrate on finding a car you really want, or we can help, your choice.

2. Choose a better car – maybe you can afford something a little better than you thought with finance in place.

3. Have flexibility – apply for the car finance that best suits your needs, we’ll help you choose.

Want a rough guide to how much you could be paying each month? Use our car finance calculator to find out.

How do I apply for a car finance quote through The Vehicle Financer?

To give you a quote, we need to know some basic stuff about you and your situation. This includes how long you’ve lived at your current address, what your job is, that kind of thing. We’ll also do a soft search on your credit history, this lets us look at your credit history, but not affect it. We then match you to the best car finance deal for you. It’s that simple.

Will you help me find a car?

Yes, we’d be happy to. We’re all mad about cars at The Vehicle Financer, so if you want us to spend a little time looking at our favourite things, so be it. Over the years, we’ve honed our questioning skills so that we can really understand what you need from your car. We take that information to find a car that’s a perfect fit. But, you don’t have to use us, if you’ve already found a car you want, great, let’s get on with sorting your finance.

How much will I pay each month for my car while it’s on finance?

It’s a good to have an idea of what car finance might cost you each month, just to make sure it’s within the budget, before you decide to apply. That’s what our car finance calculator is for. You’ll need to know your credit score, find out by using a website like, Check My File. Once you have this, just tell the calculator how much you want to borrow, and for how long, and it’ll tell you what you could be paying each month.

Let’s get started

Answer the questions, it’s the usual stuff – name, time at current address that kind of thing – and we’ll do the rest.

Get a quote

No obligation, no impact on your credit score

Why The Vehicle Financer

We’re finance experts

We work with a wide range of lenders, who we know and trust. This helps us get the very best vehicle finance deal for you.

We’re vehicle experts

We’ve been in the vehicle finance business for over 20 years – we know our stuff. Find your own car, or tap our knowledge, it’s up to you.

We’re customer service experts

We want you to be happy and we’ll do everything we can to make that happen. If you need some help, just ask.

Our experts know the answer

Can I apply for car finance if I have bad credit?2020-06-23T16:43:05+01:00

Yes, you can apply for car finance even if you have bad credit. At The Vehicle Financer, we’re people just like you, so we know the ups and downs of life and understand that sometimes your credit score can be affected. We don’t think you should miss out when this happens, so we work with some lenders who specialise offering finance to people with low credit scores. And, the great news is, if you’re offered finance, and you keep to the monthly payments, your credit score will improve.

Do I need a deposit to apply for car finance?2020-06-23T16:43:02+01:00

No, you don’t need a deposit, which means you can apply without having to wait to save up. If you do have a deposit, great! Let us know and we’ll take this into account when we approach lenders. Part exchange is something we can do as well, so if you have a car you want to use as part exchange, talk to us about it.

Can I buy a car from anywhere?2020-06-23T16:42:54+01:00

Yes, you can. If you spot a vehicle you think you might like, give us a call and we’ll talk you through what happens next. If you really don’t have time to look, or you just don’t fancy searching though hundreds of cars, we’ll do it, because we love it. Just let us know what you’re after and we’ll get right on it.

Can you offer me guaranteed car finance?2020-06-23T16:42:47+01:00

No, no one can, and that’s the truth. This is because lenders need to carry out a number of checks before they decide whether to offer car finance to you. By law, they need to check you are who you say you are, you earn what you say you do and you can afford to pay the monthly payments. They can’t do this without asking for information from you, and once they have that information, it may be that they have to say no. So, if anyone says they can offer you guaranteed car finance before asking you anything, they are not only being dishonest, they are actually breaking the law.

What information do I need to apply for car finance?2020-06-23T16:41:13+01:00

There are a few things we need to know if you want to apply for car finance. If you get the following ready before you start your application, it’ll be much easier. We’ll need:

– your address for the last three years
– an idea of your credit score
– details of what you do for a living and how much your earn

This might seem a like a lot of personal information, but it’s the minimum we’ll need from you to start your application. Don’t worry though, only us and the lenders we think best suit your circumstances see this, no one else. And we would never sell or pass your details on to other companies.

The Vehicle Financer

Riverside, Mountbatten Way,

Congleton, Cheshire, CW12 1DY

E [email protected]

T 01625 324 444

F 01625 324 443

Opening hours

Monday – Friday – 9am – 6pm

Saturday – 10am – 4pm

Sunday – Closed

Compliance details

Our services

Company details

Our brands

The Vehicle Financer Ltd is authorised and regulated by the Financial Conduct Authority (FRN: 834015). We act as a credit broker not a lender. We can introduce you to a limited number of lenders who may be able to offer you finance facilities for your purchase. We will only introduce you to these lenders. We may receive a commission payment from the finance provider if you decide to enter into an agreement with them. You may be able to obtain finance for your purchase from other lenders and you are encouraged to seek alternative quotations. If you would like to know how we handle complaints, please ask for a copy of our complaints handling process. You can also find information about referring a complaint to the Financial Ombudsman Service (FOS) at financial-ombudsman.org.uk. For complaints information when a transaction is completed online, please also access the Online Dispute Resolution platform at http://ec.europa.eu/consumers/odr/

All finance is subject to status and income. Written quotations are available on request. Our advisors are all SAF (Specialist Automotive Finance) approved. The Vehicle Financer is a limited company registered in England and Wales. Registered number: 9970074. Registered office: The Vehicle Financer LTD, Riverside, Mountbatten Way, Congleton, CW12 1DY. ICO registration number – ZA171810.

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