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Car Finance

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Your Credit Rating

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Cash price of vehicle


Over how long

Best Available Flat Rate : %

Total Repayment : £

Total Cost of Credit : £

Payments of :

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Representative example

Amount to Finance£7,000
Term60 Months
Total Amount Payable£9,289.20
Monthly Payment£148.17
Interest Payable£1,890.20

Looking to finance a car?

Here at Stoneacre, we have a multi-award winning, in-house car finance team who are on hand to make your car buying journey an enjoyable one. We also work with a panel of mainstream and alternative lenders – as well as lend our own money – to ensure we can give you the best possible deal on a new or used vehicle.

Whether you're looking to buy your first car, family car or dream car, we are able to offer market-leading rates, including interest free with no deposit payable. Meanwhile, applying for finance online couldn’t be simpler thanks to our quick-to-complete form that takes a mere 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.

It's essentially a personal finance product that enables you 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 installments, usually over a period of 12-to-60 months. A non-refundable deposit is sometimes also payable upon commencement, but 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, with each one enabling varying degrees of flexibility and don’t necessarily see you own the car come the end of the contract. You’ll be able to choose from the following options:

Personal Contract Purchase (PCP) – PCP is ideal if you have a reasonable credit rating, want the freedom to uprade to a new car every two-to-three years and are 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 types.

Personal Contract Hire (PCH) – PCH is essentially a long-term rental and therfore ideal if you want a new car with low monthly payments, aren't interested in ownership and wish to include servicing or replacement tyres in your overall package.

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

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



How do I finance a car with Stoneacre?

1. Apply for finance - At Stoneacre we offer a free and quick-to-complete online application form and can provide an initial decision in minutes, without the need for a full credit check. Following an application, a member of our in-house team will contact you in a timely manner to complete the process.

2. Find a car – Provided your application has been accepted (two-out-of-three are), it's time to begin car shopping. We will only finance a car that is purchased from one of our 34 dealerships. However, we have 14 new car manufacturers and in excess of 2,500 high-quality used cars to choose from.

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 up by the lender.

4. Sign the agreement – Finally, it's time to thoroughly read and sign the written agreement, while it's also at this point that any deposit that is due must be paid. 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 all applicants must meet in order to be eligible to make an application.

Applicants must:

Have resided in the UK for at least three years – All applicants 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 a person 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 several.

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 over at: Financing a car with bad credit


Stoneacre Motor Group acts as an independent credit broker working with a panel of lenders.

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