Car Finance at Stoneacre
Check if you are eligible for auto financing
Get approved risk-free with Stoneacre's soft search
Buy a car on finance
Spread the cost of your new car with affordable monthly payments.
Getting a car on finance at Stoneacre couldn’t be easier - simply check your eligibility for finance using our soft-search credit check, then start the search for your new wheels.
With Stoneacre car finance you can:
- Spread the cost through easy to manage monthly payments
- Check your eligibility without impacting your credit score
- Get tailor made car finance
- Enjoy a quick and hassle-free process
Your car, your finance
Car Finance Deals
Our award-winning finance team are experts in their field - let them help you find the right deal.
0% Car Finance
Save hundreds on your next car with an interest-free car finance package.
Bad Credit Car Finance
Find out how to get a new car, even with a credit rating that's not quite perfect.
How Does Car Finance Work?
Not sure what you’re looking for when it comes to car finance? Let us help find the best car finance for your needs.
At Stoneacre, we offer various finance options for ultimate flexibility.
Hire Purchase (HP)
- Breaks full cost of the car into affordable monthly payments
- You own the car at the end of the agreement
- No need to worry about mileage or damage
Personal Contract Purchase (PCP)
- Only make monthly payments towards a portion of the full cost so lower monthly payments
- Choose whether to pay remaining balance at end of agreement, switch to a new deal or simply hand back the car
- Restrictions on mileage apply
Personal Contract Hire (PCH)
- Essentially a long-term rental so no ownership option
- Ideal if want low monthly payments
- Often includes service and maintenance costs
Car Finance Alternatives
Not interested in the three 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. Learn more about finance application process.
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.
Will I get accepted for car finance?
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.
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 take your circumstances into account
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.
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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.