Car finance lenders

Oodle Car Finance

Oodle is a car finance provider that lends to a large base of customers. They have been established in 2016 and experienced tremendous success since then, with expansion rolling across the whole company.

Their car financing works simply: find a car you like & then apply through Stoneacre, as we are a dealer partner to Oodle. Once your finance has been approved, you can then enjoy your new car.

Moneybarn

Moneybarn is a specialist car finance provider, founded in 1992, helping people with bad credit scores obtain vehicle finance. They’re the largest provider for individuals that have poor credit. This means it’s possible to get credit financing, even if you have IVA’s, CCJ’s or may have been bankrupt previously. 

What’s more, even if you have no credit history, you’re likely to obtain car finance with Moneybarn.

FCA Automotive Services

According to FCA Automotive Services, it is a “subsidiary of FCA Bank S.p.A. which is a joint venture between FCA Italy S.p.A (a member of Fiat Chrysler Automobiles Group) and Credit Agricole Consumer Finance”. 

FCA car finance deals with many manufacturers and can offer their finance directly, these include Fiat, Alfa Romeo, Chrysler, Jeep and Abarth. They have both personal and business car finance options. You can get Personal Contract Purchase (PCP) and Hire Purchase (HP) finance, in addition to Personal Contract Hire (PCH) & Business Contract Hire. 

Advantage Car Finance

The company was founded back in 1999 and is a subsidiary of a larger S&U plc.

They primarily deal with Hire Purchase (HP) car finance that covers both new and used cars, as well as motorcycles and vans, with a limit of up to £15,000.

The application process is straightforward, as Advantage Car Finance uses a soft credit check and also look at your current circumstances. Additionally, it’s also possible to get bad credit finance which is beneficial for many that have lower credit scores. 

Go Car Credit

Another specialist lender, Go Car Credit helps people with bad credit obtain car finance. They consider people that receive benefits, are self-employed or have poor/bad credit. The core values are to treat everyone equally and fairly, so it’s no surprise that customer reviews are overwhelmingly positive. 

One more aspect that makes Go Car Credit stand out is that the applications are approved or declined by people rather than robots. Not only this, but you can also get an additional day request, where the car will be cleared from immobilisation to bring it back on the road, and give you that bit of extra time to catch up with your payments. 

Startline Motor Finance

Sub-prime car finance including HP and PCP is the main financial product offered by Startline Motor Finance which is based in Glasgow. It’s excellent for those that found themselves rejected from the prime auto financing, mainly provided by mainstream lenders.

They pride themselves on flexibility and don’t have a one-fits-all approach that can affect who gets accepted for car finance. Instead, they look at individual situations and can offer competitive APR rates.