Car finance lenders

Car finance lenders at Stoneacre

Pound coins stack tower

It's all too easy to feel overwhelmed by the sheer number of car finance lenders, providers and brokers competing for your business.

Then you've got the risk that multiple applications with different lenders could potentially harm your ability to obtain credit in the future.

However, you'll soon find out it's different with Stoneacre - we conduct a credit check that doesn't affect your credit score.

We’ll always perform what is known as a ‘soft search’ when you make an initial application, meaning that your details are merely checked against criteria rather than having a full credit check performed before we get in touch.

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.

Our car finance offers include:

Finance - calculator and coins
Finance - calculator and coins

No Deposit


Our panel of lenders are able to offer you no deposit finance deals - check your eligibility today.


Low Monthly Payments


Whether you're after a new or used car, we provide you with £25/per month, clearance & other affordable deals.


0% Finance


We're also able to offer 0 interest cars for those that are eligible - find out more today.


Our car finance offers include:

Finance - calculator and coins

No Deposit


Our panel of lenders are able to offer you no deposit finance deals - check your eligibility today.


Low Monthly Payments


Whether you're after a new or used car, we provide you with £25/per month, clearance & other affordable deals.


0% Finance


We're also able to offer 0 interest cars for those that are eligible - find out more today.


Popular 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.  

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.  

Other car finance lenders we work with


We work with a wide-range of trustworthy lenders, including but not limited to Hitachi Finance, Alphera Finance, ALD Automotive, MotoNovo car finance and a host of others that can offer you the best finance products and services.


Full list includes:


  • Aston Martin
  • Shogun Finance
  • Harley Davidson Financial Services
  • Triumph Finance
  • Mazda Finance
  • Hyundai Car Finance
  • Kia Finance
  • MG Finance
  • Citroen
  • Close Motor Finance
  • Ford Credit
  • GMAC Financial Services
  • Honda Finance
  • Toyota Financial Services
  • Lexus Financial Services
  • Peugeot Finance
  • PSA Finance
  • RCI Financial Services
  • Nissan Finance
  • Renault Dacia Finance
  • VWFS
  • SEAT Finance
  • BNP
  • Evolution
  • Suzuki
  • Vauxhall Finance
  • Volvo Financial Services

Why choose Stoneacre?

  • Unrivalled experience

    Over 20 years’ experience in the industry - we work with a range of lenders, giving us a versatile selection of car finance companies who can help us get you in your perfect car.

  • Market-leading technology

    With market-leading technology such as our innovative risk navigator, we can determine the most suitable lender based on the information you provide us. 

  • Quick decision

    Gain an acceptance first time round without the need to send your details to multiple car finance companies.

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