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We don't offer Guaranteed Car Finance

But, 2 out of 3 customers are approved

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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
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.

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

Finance Q & A

A place to ask your burning finance questions

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