Motoring for Life logo
Check if you are eligible
Get approved risk-free with Stoneacre's soft search
Car Finance at Stoneacre
Whether you're looking for your first car, family car or even your dream car, buying with Stoneacre couldn't be easier. Our award-winning car finance team pulls out all the stops to provide a great deal and a great experience.
Car finance can often seem like a minefield, yet in reality it's a fairly hassle-free process and ideal for those who are unable - or who'd rather not - pay for a vehicle outright.
Instead, the balance is broken down into in manageable monthly instalments to help manage the affordability of a car. You don't even necessarily require a deposit, though putting down some initial cash (or part exchange) always makes things cheaper.
Applying is fast and simple, thanks to our quick-to-complete form, while our flexible panel of lenders are able to help a range of motorists get car finance.
Your car, your finance
Car Finance Deals
Car finance comes in many forms, and it might be tough at first finding the right package for you, but we're here to help.
0% Car Finance
We offer 0% finance on many of our cars, enabling drivers to save a substantial amount on their next car. Find out more here.
Bad Credit Car Finance
We work with a flexible panel of lenders who don't just look at your credit rating, and we look to help as many as we can get into a new car.
Car Finance Options
Car finance comes in various forms, each offering varying degrees of flexibility. These includes traditional ownership and an option that won't necessarily see you own the car.
Personal Contract Purchase (PCP)
Great if you have a reasonable credit rating, want the freedom to drive a new car every two-to-three years and want cheaper monthly payments.
Hire Purchase (HP)
If you want to own your car at the end of the agreement and you're not eligible for or don't want a personal loan, choose Hire Purchase.
Car Finance Alternatives
Not interested in the two above options? Well they aren't you're only avenues for car finance.
Personal Contract Hire (PCH) - Essentially long-term rental and ideal if you want low monthly payments, you're not interested in ownership and you'd like servicing or replacement tyres included in the deal - more information
Motor Loan - Ideal if you don't have a deposit, want to own the car outright and you don't want the restrictions of a mileage allowance.
Want to know what kind of deposit you can put down on such a finance package? Well, we can offer you a free, no-obligation valuation tool, giving you a solid idea of what your vehicle is worth towards a new car.
Financing your car with Stoneacre
Apply for finance
Use our online application form for initial eligibility. Shortly after, a member of our in-house team will get in touch to discuss your application.
Find your car
Not only do we represent over 20 of thw world's most recognisable manufacturers, we also stock vehicles from many more brands.
Agree the deal
Once you've secured the car, established the cost of finance, and agreed the repayments and deposit, the paperwork can be drafted.
Sign the agreement
This is also when any deposit must be paid, or your old car given in part-exchange. Once completed with the paperwork, it's time to drive away.
Why choose us for car finance?
With over two-decades of experience within the realm of automotive retail, we're able to offer a huge number of benefits and a smooth car-buying process.
- We facilitate your needs based on your current circumstances, not judge you on your past credit history
It doesn't matter whether you have bad credit, or have faced CCJs or even bankruptcy in the past, we'll consider your application and do our best to get you behind the wheel.
- Our credit check won't reduce your score at all
An initial application with us is a soft search that won't affect your credit rating, it just gives us an idea of your eligibility for finance.
- Dedicated in-house team
Our dynamic, award-winning finance team will find the perfect finance deal for you, and your own personal advisor will help guide you through the whole process.
- Two-out-of-three approval rate
We accept two-out-of-three of our applicants for finance.
- Lenders for all circumstances
We work with a range of lenders to ensure we find you the best deal possible, based around your needs today.
- Over 20 years' experience in the industry
We work closely with many of the world's most recognisable manufacturer to help get the very best car deals for you.
- It's just so easy with us
We deal directly with the lenders on your behalf, making the whole process as easy and smooth as possible.
Are you eligible for car finance with Stoneacre?
Each one of our lenders has its own criteria. However, there are several requirements you must meet to be eligible.
Applicants must:
- Have resided in the UK for at least three years
You must live in the UK and have done so for at least three years.
- Be at least 18 years of age
By UK law, you must be at least 18 years old to enter into a finance agreement.
- Not be bankrupt
You must not be involved in bankruptcy proceedings. Ex-bankrupts may be considered - find out more about this at: financing a car with bad credit.
Finance Disclosure
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 0800 111 6768.