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Car Finance

No Deposit

A decision in 30 seconds

Doesn't affect your credit rating

Check if you are eligible

It's very easy and takes no more than 30 seconds

Car finance calculator

Quickly see what your monthly payments would be on that new car

Find out more

Here's how it all works... in 3 easy steps

Apply online in 30 seconds

You are allocated a personal advisor

Choose your car and drive away

So, what next?

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Your Credit Rating

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Cash price of vehicle

Deposit

Over how long

Best Available Flat Rate : %

Total Repayment : £

Total Cost of Credit : £

Payments of :

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Representative example

Price£7,000
Amount to Finance£7,000
Term60 Months
Total Amount Payable£9,096.60
APR10.9%
DepositNil
Monthly Payment£144.96
Interest Payable£1,697.60
Fees£399
Flat4.85%
 

Stoneacre Car Finance

Whether you’re looking for your first car, a family car or even your dream car, buying it with Stoneacre should be easy and enjoyable. That’s why our multi-award winning in-house car finance team pulls out all the stops to provide a great deal and a great experience.


Working with a panel of mainstream and alternative lenders – as well as lending our own money – we’re able to offer market-leading rates and deals, including interest free options with no deposit to pay.


Applying couldn’t be easier too, thanks to our quick-to-complete form that takes only 30 seconds to fill in. 

 
 

But first, what is car finance?

Car finance can all too easily seem like a minefield. However, in realty, it's a fairly quick and hassle-free way to buy a car and is ideal for those who are unable – or would rather not – pay for a new vehicle outright.


Essentially a personal finance product gives you the flexibility to buy a car without having to pay the purchase price in a single lump sum. Instead, you enter into a legally binding finance agreement, which subsequently gives you the freedom to pay off the balance in manageable monthly instalments - usually over a period of 12-to-60 months. A non-refundable deposit is sometimes also payable upon commencement, but this often equates to as little as a single month’s payment.

 
 
 

What are the different options and how do they differ?

We offer four different car finance packages, each providing a varying degree of flexibility. This includes traditional ownership, plus an option that won’t necessarily see you own the car at the end of the contract.


Personal Contract Purchase (PCP) – PCP is a great option if you have a reasonable credit rating, want the freedom to upgrade to a new car every two-to-three years and you’re looking for cheaper monthly payments (with most of the car’s cost tied up in an optional final payment). This is the most flexible of the four finance options.


Personal Contract Hire (PCH) – PCH is essentially a long-term rental. It can be ideal if you want a new car with low monthly payments, you’re not interested in ownership and you’d prefer to include servicing or replacement tyres in your package.


Hire Purchase (HP) – If you want to own your car outright at the end of the agreement and you’re not eligible for a personal loan, or simply don't want one, choose HP.


Motor Loan – A motor loan is a great choice if you don't have a deposit to put down, you want to own the car outright from day one, and you don't want to be restricted by a fixed mileage allowance.

 

 

 

 

How do I finance a car with Stoneacre?

1. Apply for finance - Use our free and quick-to-complete online application form to get an initial decision in minutes, without the need for a full credit check. Shortly after you’ve submitted your application, a member of our in-house team will get in touch to complete the process.


2. Find a car – Provided your application has been accepted (two-out-of-three are), it's time to start car shopping. Remember, finance is only available to purchase a car from one of our 37 dealerships. However, with 16 new car manufacturers and in excess of 3,000 high-quality used cars to choose from, you’re sure to find the perfect car.


3. Agree the deal – This involves securing the car, establishing the cost of financing it and agreeing the monthly repayments and deposit amount. The paperwork can then be drafted by the lender.


4. Sign the agreement – Finally, it's time to thoroughly read and sign the written agreement. This is also the stage at which any deposit due must be paid, or your old car handed over in part-exchange. Now for the exciting part, as an official handover is completed and you get to drive away in your new car.


 

 

Am I eligible for car finance with Stoneacre?

Although each lender from our panel has its own criteria, there are several requirements that you must meet in order to be eligible.


Applicants must:


Have resided in the UK for at least three years – You must currently reside in the UK and have done so for at least three years.


Be at least 18 years of age – UK law stipulates that you must be at least 18 years of age in order to legally enter into a finance agreement.


Earn at least £600+ per month after tax – This income can come from full or part-time employment, self-employment, benefits or a combination of these.


Not be bankrupt – You must not currently be involved in bankruptcy proceedings; although ex-bankrupts may be considered and you can find out more about this at: Financing a car with bad credit


 

 

For the purpose of this promotion Stoneacre is not acting as a lender but as an independent credit broker working with a panel of lenders. A list of these lenders is available upon request. Stoneacre do not charge a fee for an introduction to a finance provider, however, we may or may not receive a commission.

Decidebloom Ltd t/a Stoneacre, Omega Boulevard, Capitol Park, Thorne, DN8 5TX, is authorised and regulated by the Financial Conduct Authority. Our FCA number is 308726. You can verify this by visiting the FCA website or by contacting the FCA on 0854 606 9966.

Finance Q & A

A place to ask your burning finance questions

finance

Sasha McCormack is a Sales Manager at Stoneacre Motor Group

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