Whether the time has come to buy your first car, a more suitable family car or the vehicle of your dreams, Stoneacre are able to offer a vast array of car finance options with payment terms ranging from 12 to 60 months. From excellent credit to bad credit, we recognise that one size will never fit all and therefore specialise in all types of vehicle finance.
Buying a new or used car can be a stressful experience, after all it's usually the second biggest purchase that many of us will ever make. At Stoneacre we offer a vast array of new and used cars on finance and aim to make it as simple, transparent and enjoyable as possible. In addition, we have a simple and easy-to-use car finance calculator which enables you to compare car finance costs prior to making an application and will give you an indication of what your pay monthly car is likely to cost.
We are widely recognised as one of the UK's leading car finance firms and new and used vehicle retailers, and we have the awards to prove it, having scooped three prestigious F&I awards within the last three years. Stoneacre are also Specialist Automotive finance (SAF) approved, have full interim permission from the Financial Conduct Authority (FCA), which is a legal requirement for any company that provides cars on finance. We also have a team of highly experienced finance specialists on hand to guide you through the whole process.
Our vast experience coupled with a large panel of lenders, including high street names such as Barclays and specialist lenders MotoNovo and The Car Finance Company, enables us to achieve industry-leading acceptance rates. In addition, we lend our own money, which gives us many additional options over and above those offered by online car finance brokers, we're just about the only UK based motor group to do so.
Furthermore, some brokers and lenders carry out a full credit check from the word go, at Stoneacre we are able to provide car finance with a soft search; this means no imprint on your credit file and no lasting damage when you make an initial online car finance application. We like to call it no credit check car finance. In addition, we don't charge an application fee and as soon as you get approved for car finance, you will know exactly how much money you have available to spend, enabling you to shop like a cash buyer.
Used Car Finance
Used car finance is by far the most popular method of purchasing a used vehicle in the UK. It's widely seen as a quick, hassle-free and cost effective means of obtaining the car you want or need and could even enable you to drive away now and pay later, with little or no upfront deposit. The purchase price of the vehicle is then divided across a predefined number of monthly car payments, this can range form just 12 months up to a maximum of 60 months. You should find our online car finance calculator useful if you wish to get an idea of costs based on different agreement durations.
Unlike many mainstream used car finance firms, we are able to offer used car finance on vehicles up to 15 years old. We are also able to offer this service on all makes and models regardless of whether it's a manufacturer that we officially represent.
Our secondhand car finance deals also give you the option of trading in your existing vehicle, its value can then be used to reduce the total amount of finance required along with the monthly payments. Not only can it positively impact the used car finance package that you will be able to obtain, but it also cuts out the hassle usually associated with the disposal of an old car.
New Car Finance
We're not just a leading car finance company, we're also one of the UK's largest motor groups and an official dealer for 12 of the world’s most familiar car manufacturers, which enables us to offer some of the most competitive new car finance deals on the market.
There are several benefits to buying a new car on finance over an above a used car, mainly the inclusion of a full manufacturer’s warranty and the ability to custom build a car to your own taste and required specification. As with used cars, the price of the car can be paid off between 12-60 months, depending on how much you are able to pay monthly.
In addition, all our new car offers are available with no deposit car finance. We also have a range of 0 per cent new car finance packages that are offered in conjunction with manufacturers such as Vauxhall and Volvo.