It's easy, secure and you'll get a quick decision.
Quickly see what your monthly payments would be on your new car.
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, you enter into a legally binding finance agreement giving you the freedom to pay off the balance in manageable monthly instalments. A non-refundable deposit is sometimes also payable, but this can often be as little as a single month's payment.
Working with a panel of specialist lenders, we're able to offer market-leading rates and deals, including interest free and no deposit options. Applying is fast and simple, thanks to our quick-to-complete form.
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 66 per cent 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're able to negotiate 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.
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 at the end of the contract.
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.
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.
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.
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.
1. Apply for finance - Use our online application form to get an initial decision in minutes. Shortly after, a member of our in-house team will get in touch to complete the process.
2. Find your car - Finance is only available to purchase a car from one of our dealerships. However, with 19 new car manufacturers, 2 bike manufacturers and over 3,000 high-quality used cars to choose from, you're sure to find the perfect car.
3. 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.
4. Sign the agreement - This is also when any deposit must be paid, or your old car given in part-exchange. Once the official handover is completed, you can drive away in your new car.
Each one of our lenders has its own criteria. However, there are several requirements you must meet to be eligible.
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. Check Eligibility
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.
Please note we record all our calls to ensure that we give you the service you deserve.
We also share information about your use of our site with our social media, advertising and analytics partners
who may combine it with other information that you’ve provided to them or that they’ve collected from your use of
their services. You consent to our cookies if you continue to use this website.
Some of these cookies are essential, while others help us to improve your experience by providing
insights into how the site is being used. For more detailed information on the cookies we use, please
*Your browser is currently set to 'Do Not Track' and therefore some options have been disabled. Please adjust your browser settings to enable these options to be chosen.
The website cannot function properly without these cookies, and can only be disabled by changing
your browser preferences.
These cookies allow our website to remember information that changes the way the site looks or behaves,
so that you can personalise your experience.
We use statistic cookies to monitor page traffic on our website. This information enables us to improve
the website for visitors.
Social cookies allow us to track visits from our social pages and may be used to target adverts based on your social media preferences.
These cookies allow us to understand general customer behaviour and track where you have visited from,
which allows us to monitor the success of our marketing campaigns.
Cookies are small text files that can be used by websites to make a user's experience more efficient.
The law states that we can store cookies on your device if they are strictly necessary for the operation of this site. For all other types of cookies we need your permission.
This site uses different types of cookies. Some cookies are placed by third party services that appear on our pages.
Your consent applies to the following domains: www.stoneacre.co.uk
Cookies are used to analyse web site traffic and are commonly used on the internet to make your browsing more efficient by remembering your preferences and tailoring its operation accordingly. Please be aware that cookies do not harm your system.
These cookies do not give us access to any personal information and although most webs browsers allow cookies they can be turned off if you wish by using your “help” facility. This may prevent you taking full advantage of our web site.