How does completing your form help me get car finance?

Our online car finance form is a springboard for those wanting to quickly get into a new car. Getting acceptance at this stage ensures subsequent processes are straightforward and take as little time as possible.With our finance form being a device to check your eligibility for credit, you can rest assured that whether you’re deemed eligible or not, there won’t be a full search recorded on your credit profile. This is especially good for those who may have a history of poor or bad credit and might be worried about any further damage to their profile when applying for car finance online.

How long does it take to apply for car finance?

When applying online through our finance form, it only takes few minutes and you’ll also get an instant decision on your eligibility.After your online journey, and if you are eligible for finance, you will then speak with one of our in-house team to take you through the rest of the process.

What should I expect after completing your form?

Regardless of the decision on whether you’re eligible for finance or not, we will be in touch by either phone or email with further information.For those who are accepted, we can:- Arrange a visit to our dealership to see a car of interest- Get the finance in place ahead of your visit This is to ensure there is minimum work to be done when in branch to collect your new vehicle.If you’ve unfortunately been deemed ineligible for finance at this point, all is not lost. While it might not be possible now, we can offer coaching to improve your credit rating with a plan to get you eligible in the near future.

Can someone else apply for car finance for me?

Unfortunately not - this is because the person who is applying for car finance is considered to be the main driver and owner of the car.It’s considered risky by lenders and known as an ‘accommodation deal’ if you try and get finance for someone else.So for example, if two people live at the same address, lenders see it and connect the dots. It is better to try and improve your own credit score, rather than applying through someone else.

Is same-day car finance possible?

Same-day car finance is definitely available - if your car finance application is accepted, you should be able to drive away right away as long as the car is also ready for you. We always aim to act quickly once someone has submitted our online form, so this can be made possible.

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Apply for Car Finance at Stoneacre banner

Apply for Car Finance at Stoneacre

Car finance is a popular way of making a vehicle purchase much more affordable.

Many car buyers choose to break down the cost of their next car by getting credit, with several options available to suit different financial needs.

Here at Stoneacre, we have a successful history of helping people from all walks of life get accepted for credit - and we’ve made sure applying for car finance is as easy as it can be.

The journey to acceptance starts right here, online, with our dedicated finance team helping you the rest of the way to getting in a new car.

Free Eligibility Check Car Finance Resources

Representative Example

This represents an average of the deals that our customers receive on other vehicles

Cash Price £19,121.93

Deposit £1,266.23

Term 48 months

Payment £323.72

Amount of credit £17,855.70

Fixed Interest per annum 6.46%

Representative APR 11.36%

Total Charge for credit £6,194.43

Final Payment £8,511.57

Option to purchase fee £399.00

Total Amount Payable (Incl. Deposit, charge for credit, final payment & purchase fee) £25,715.36

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 will 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.

Representative example: £19,121.93 repayable over 48 months. 48 monthly payments of £323.72. Deposit of £1,266.23. Amount of credit £17,855.70. Representative 11.36% APR. Fixed rate per annum 6.46%. Final Payment £8,511.57. Option to purchase fee £399.00. Cost of Credit £6,194.43. Total amount payable (Incl. Deposit, charge for credit, final payment & purchase fee) is £25,715.36.

Apply for Car Finance at Stoneacre

Representative Example

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