Check if you are eligible

Check if you're eligible

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Car finance calculator

Car finance calculator

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Affordable car finance solution

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Soft search car finance

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Will not affect your credit rating

Car finance with 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, 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.

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Why choose us for car finance?

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 car 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.

Car 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 finance 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.

Your options and how they vary?

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.

Financing your car with Stoneacre

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.

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. Check Eligibility

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.

Representative example
Cash Price£13,000
47 Monthly Payments£280.51
Amount to Finance£13,00
Total Interest Payable£2,743.97
Total Amount Payable£16,133.97
Option Fee (Included in TAP)£399
Term48 Months
Rate of Interest (Fixed)8.83%
Miles per Annum8,000
Excess Mileage Charge6.0ppm

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