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Used Car Finance

Used car finance application at Stoneacre

Finance a used car

At Stoneacre we keep used car finance simple.

Our refined application process ensures that our team of award-winning experts work for you to find the best possible deal.

It couldn't be more convenient to get your hands on a second-hand car. Financing a vehicle through Stoneacre ensures that it has never been written off, stolen or have outstanding finance.

Every day we try to get our customers the best deals through our versatile panel of lenders.

Did you know: more than 80% of UK used car buyers choose finance to help fund their purchase of a used vehicle?


Why should you choose Stoneacre?

Huge selection:


- We always stock over 3,000 used cars from manufacturers all over the world


Tailored finance: 


- Our finance specialists will find your perfect used car deal that suits your budget


No dodgy deals:


- All of our used vehicles have a full history & in-depth mechanical check


Best used car finance deals


There are three easy ways to finance your next used car, offering simplicity, flexibility and great APR.

Red car on used car PCP finance
Red car on used car PCP finance

Personal Contract Purchase (PCP)


PCP is a great option if you have a reasonable credit rating, want to upgrade to a new car every 2-3 years and you’re looking for cheaper monthly payments. For many customers, this is the most flexible and affordable Stoneacre finance option.

Close up of car keys and document sign for hire purchase finance
Close up of car keys and document sign for hire purchase finance

Hire Purchase (HP)


HP is essentially a long-term lease that gives you full vehicle ownership once all payments have been made. HP is ideal if you've been refused finance for a used car in the past and is also a great alternative to a personal loan for any used cars on finance.

Calculator and pennies - car finance
Calculator and pennies - car finance

Nil Deposit


In addition, many of our used car finance deals are also available with nil deposit options too. So, you don’t necessarily need a large lump sum or part exchange to get behind the wheel of your perfect used car.

0% Used car finance

Stoneacre dealership building

We believe motoring should be more affordable, so we try keep money in the pockets of our motorists by offering the best financing offers possible for our used cars. This includes our incredible 0% finance options.

Our used car finance 0% deals ensure you only pay for the cost of the car, so you save a considerable sum in interest payments.


Used car finance calculator

Stoneacre Harrogate dealership building

Our commitment to finding you the best possible deal for your budget inspired us to offer our online used car finance calculator. This fantastic tool gives you an estimated monthly cost for your chosen car (based on Hire Purchase).

Simply select your credit rating from poor, fair, good or excellent, your preferred deposit, the vehicle price and your desired payment term and it will give a rough estimation of your monthly repayments. If you’re happy with the result, you can even begin checking your eligibility for second hand car finance using our hassle-free form.


Why trust our used cars?


Before a used car that enters any of our dealerships, it undergoes a rigorous 125-point vehicle check by our highly-trained technicians. But before it even reaches our technicians, the car undergoes a thorough Experian history check to ensure the vehicle has a trusted background.

  • Full mechanical and electrical check

    Comprehensive inspections are carried out throughout the vehicle, from tyres to fuel injectors - our qualified technicians don’t overlook anything.

  • Quality control

    We carry out a full background check of every used car including service history, mileage and fraud. We are 100% confident none of our second-hand cars have ever been written off, stolen, or have outstanding finance.

  • Paint and bodywork

    Following a full inspection of paint, wheels, glass and bodywork, our technicians ensure everything is showroom-perfect. Any imperfections are professionally repaired using the highest-quality methods.

  • Presentation

    We ensure the entire car is spotless inside and out; even air vents, engine bays and petrol caps are not safe from our team of professional car detailers. Their keen eye for detail also helps get the interior looking as close to its brand-new state as possible.


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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