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Excellent Credit Car Finance

Close-up of car keys and document sign for car finance

What's an excellent credit score?

Having an excellent credit score indicates to lenders that you can manage your finances well.

You don’t need to earn lots of money to have an excellent credit score you simply need to know how to manage your money wisely; never missing payments and never overstretching your financial commitments.

An excellent credit score is actually quite rare so if you do have one it means you’re managing your finances really well.

Car Finance with Excellent Credit

Getting car finance with an excellent credit score should not be a problem. However, it is important to bear in mind that credit scores are not universal as each particular lender has their own criteria for assessing your circumstances.


Lenders are usually keen to lend to people who have shown that they can manage their financial commitments and who will be able to afford extra payments going forward.


The majority of lenders will consider you as a low risk so are more likely to offer you their best deals.

Stoneacre Sheffield car finance application process
Stoneacre Sheffield car finance application process

Two-out-of-three success rate


At Stoneacre, we’re proud of our impressive two-out-of-three success rate for finance applications. By working with multiple lenders we are able to find the right lender for your circumstances as well as the very best car deals.


Stoneacre Sheffield dealership building
Stoneacre Sheffield dealership building

Dealer of the year


Our fully trained finance team are able to offer a wealth of advice on the best possible finance options for you. They have won multiple awards including Finance & Insurance Awards for Industry Leading Training and also Dealer of the Year.


Finance application process at Stoneacre
Finance application process at Stoneacre

Simple online form


You can find out if you qualify for car finance by filling out our simple online form. It will only take you a few minutes to complete and as we only carry out a ‘soft search’ at this stage it doesn’t affect your credit score. It is definitely a convenient and affordable solution.


Beware of Guaranteed Car Finance

The chances of you being accepted for car finance with an excellent credit score are high, however we can never guarantee car finance for anybody. There are times when even an excellent credit score won’t guarantee you get accepted.


Example: You may have an excellent credit score but temporarily have a very low income. Lenders will consider this and if they don’t think you can balance the extra payments of a car with your other outgoings then you may possibly still be declined.

Excellent Credit FAQ

  • How long does the process take?

    A member of our friendly finance team will then get in touch to see if you’d like to proceed with the finance application. Our average turnaround time between receiving an application and contacting you to complete the process is under 10 minutes, which means you won’t be waiting long for us to call.


  • Can I apply for car finance 24/7?

    Yes you can indeed apply for car finance 24/7 via our brand new, quick, simple and secure online car finance application form. Although our offices aren't open 24/7 you can still apply for car finance 24/7, you'll receive an instant online decision and as soon as we pick your application up a member of our in-house finance team will be in contact. 


  • Am I eligible for car finance?

    Whether or not you are eligible for car finance will depend on many factors such as:


    - Your current financial situation

    - Employment status

    - Age

    ...and a few others


    We work with some of the most flexible finance providers in the industry which has enabled us to achieve a two-out-of-three acceptance rate. We're confident that we'll be able to help you get car finance no matter what your situation is. Please submit a free online application for a quick decision.



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.


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