Apply for Car Finance Online with Stoneacre

At Stoneacre, we want to make it as easy as possible for people who want to buy a new car. It’s no secret that most who purchase a vehicle do so through finance, and we’re here to give you a simple, straightforward journey to achieving that.

Applying for car finance online at Stoneacre helps make that possible - a quick-to-complete form and an award-winning in-house finance team both ensure your application experience for finance is a smooth one.

The form in question can be found right here, online, on our website, so you can complete it at your leisure at a time that suits you - and it's completely free to do so.


Representative Example

Cash Price£16,551.73
Deposit£1,578.78
Term49 months
Payment£367.83
Amount of credit£14,972.95
Fixed Interest4.99%
Representative APR10.62%
Total Charge for credit£3,449.86
Option fee (included in total charge for credit)£399.00
Total Amount Payable (Incl. Deposit)£20,001.59

We are a credit broker and a lender. We can introduce you to a limited number of lenders and their finance products. We will provide details of products available, but no advice or recommendation will be made. You must decide whether the finance product is right for you. We do not charge you a fee for our services. Lenders may pay commission to us (either a fixed fee or a fixed percentage of the amount you borrow) for introducing you to them, this may be calculated in reference to a variable factor such as (but not limited to) the vehicle age, your credit score and the amount you are borrowing. Different lenders may pay different commissions for such introductions.

A 'soft search' application

One of the best features about our online car finance form is that it only performs a soft search - but what do we mean by this?

Well, kept simple, it doesn't leave a mark on your credit score when you submit the form - whether you are accepted for finance or not.

This helps all sorts of people check their eligibility for car finance online without having any negative effects.


What is the purpose of our finance form?

Close-up of car keys and document sign for car finance

For those looking to apply for car finance online, our form is ideal, and not just because it’s so easy and quick to complete, be it on phone or computer.

In essence, our online finance form is just a first step in applying for car finance. While the form isn’t strictly a full application, it does check with our various finance lenders as to whether you’re eligible for car finance.

Following the completion of the form, we'll both know if we can go ahead and get finance in place for you on one of our 1,000s of cars available – be it new or used.

What do we need when you apply online?

Calculator and pennies - car finance

We understand that forms aren’t exactly the most fun thing to fill in, but they are necessary in helping us gauge your eligibility for car finance.

In this regard, our online finance form has been created to take you through each stage in bitesized chunks, with ease of use something we strive for, and includes such areas as:

- Employment

- Address

- Personal Details

Pre-approved car finance

Following the completion of the form, and if you are deemed eligible for finance, you will be passed onto our in-house team to get you pre-approved for car finance.

Being pre-approved, you will be able to find a car at any of our dealers within the threshold you are eligible for, and think seriously about your purchase.

Becasue of your pre-approval for finance, the purchase of the vehicle will be much swifter and straightforward.

Applying for Car Finance FAQ

Important information about applying for car finance at Stoneacre

  • How does filling in your form help me?

    Our online car finance form is a springboard for those wanting to quickly get into a new car. Getting acceptance at this stage ensures subsequent processes are straightforward and take as little time as possible.


    With our finance form being a device to check your eligibility for credit, you can rest assured that whether you’re deemed eligible or not, there won’t be a full search recorded on your credit profile. This is especially good for those who may have a history of poor or bad credit and might be worried about any further damage to their profile when applying for car finance online.

  • What do I need to apply for car finance?

    You’ll need the following documents to apply for car finance online:


    • A device to access the form on is required - a phone, laptop, desktop computer or tablet - our website has been optimised to work across all such devices
    • A valid email address and UK telephone number
    • A minimum three years’ of address and employment details


    So, make sure you have to hand the specifics. If you have all that, applying for car finance online should be a simple affair and we look forward to hearing from you.

  • How long does it take to apply for car finance?

    When applying online through our finance form, it only takes few minutes and you’ll also get an instant decision on your eligibility.


    After your online journey, and if you are eligible for finance, you will then speak with one of our in-house team to take you through the rest of the process.

  • What should I expect after completing your form?

    Regardless of the decision on whether you’re eligible for finance or not, we will be in touch by either phone or email with further information.


    For those who are accepted, we can:


    - Arrange a visit to our dealership to see a car of interest

    - Get the finance in place ahead of your visit


    This is to ensure there is minimum work to be done when in branch to collect your new vehicle.


    If you’ve unfortunately been deemed ineligible for finance at this point, all is not lost. While it might not be possible now, we can offer coaching to improve your credit rating with a plan to get you eligible in the near future.

  • Can someone else apply for car finance for me?

    Unfortunately not - this is because the person who is applying for car finance is considered to be the main driver and owner of the car.


    It’s considered risky by lenders and known as an ‘accommodation deal’ if you try and get finance for someone else.


    So for example, if two people live at the same address, lenders see it and connect the dots. It is better to try and improve your own credit score, rather than applying through someone else.

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