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We Don't Offer Guaranteed Car Finance, But We Do Approve 2 Out Of 3.

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?

Apply Now.. NO bank details are required

Your Credit Rating

Poor Fair Good Excellent

Cash price of vehicle

Deposit

Over how long

Best Available Flat Rate : %

Total Repayment : £

Total Cost of Credit : £

Payments of :

Apply Now

Representative example

Price£7,000
Amount to Finance£7,000
Term60 Months
Total Amount Payable£9,289.20
APR11.9%
Deposit£0
Monthly Payment£148.17
Interest Payable£1,890.20
Fees£399
Flat Rate5.4%
 

The Truth About Guaranteed Car Finance

As the saying goes, there are no guarantees in life, and the same applies to car finance. Due to each individual looking to finance a car being different to the last, it is virtually impossible to be able to guarantee car finance and anybody offering guaranteed car finance is likely to be leading you in with a sneaky marketing ploy. No car dealership, lender or broker can realistically guarantee a car on finance.

However, that's not to say we won't do our utmost to help you get finance, no matter your current credit rating. We work with a whole host of car finance companies, with each one able to help motorists get credit in various different situations.

 

 

Why can’t we offer guaranteed car finance?

Through the 2010 Consumer Credit (Advertisements) Regulation, it is illegal for any company to advertise guaranteed car finance unless they are willing to provide finance to everyone who applies. When going through the finance route with ourselves, there will be a point where our lenders, using their own set of approval criteria, will determine your eligibility for finance. While many will be approved, a small few will not be able to meet this criteria for various possible reasons.

There maybe numerous ways in which companies make endeavours to entice customers, through the likes of guaranteed car finance with no deposit or with no credit check. At Stoneacre, we can offer finance with no deposit and an initial application with no credit check (instead a soft search is performed), but never would we guarantee car finance, it’s just not ethical.

 

How we can help you

We might not be able to guarantee car finance for you, but we can offer a two-out-of-three acceptance rate and an in-house team that will take you through every stage of applying for finance with Stoneacre.

Not only that, but we also specialise in helping those who might struggle to get finance due to a poor credit history. If you’ve encountered CCJs, IVAs or even bankruptcy in the past, don’t fret as there’s a great chance we’ll still be able to help you attain your next car. Visit or section on getting a car in such circumstances to find out more.

Coming to us with your automotive needs, you’ll be able to take advantage of the various finance offers we have available, including deals on our hundreds of new cars and on thousands of used cars across our 32 dealerships.

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.

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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