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.
Representative Example
This represents an average of the deals that our customers receive on other vehicles
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. Offers available to everyone over the age of 18, subject to credit approval.
Popular Car Finance Topics
Applying for car finance online
The quickest way to get the ball moving on your car finance application is here on the Stoneacre website.
Our online form takes just a few minutes to complete, and is a great way to begin your application.
It acts as a ‘soft search’ to give you an initial decision on your eligibility for car finance without harming your credit score.
When completing the form, you’ll require such information as your address and work history for the last three years.
We’re here for everyone
While we can’t guarantee acceptance for car finance, we do our best to help as many customers as possible get credit for a new vehicle.
Our panel of lenders offer a certain breadth of flexibility when it comes to financial backgrounds, which helps maximise the acceptance rate of those applying for car finance at Stoneacre.
So, if you’re in a position of having bad credit, all is not lost - having a poor credit score doesn’t mean you can’t get car finance, especially as we have specialist lenders who can assist such individuals.
Thanks to our ‘soft search’ facility, applying for car finance online won’t hurt your credit score, so you can check your initial eligibility knowing there'll be no detrimental effects.
In-house car finance team
When you apply for car finance online at Stoneacre, our dedicated in-house finance team will support you all the way, from your application to getting in your new car.
Every last detail will be explained ahead of your visit to one of our dealerships - we want to ensure you’re comfortable with the aspects of your finance acceptance before the car search begins.
This part of the car finance application is usually very straightforward, and it’s typically not long before you can start looking for your next set of wheels, but on occasion, we may need a few documents to back up your application as proofs.
Once your car finance coordinator has completed your application, they will then book your dealership appointment, and the truly exciting part can begin.
Car Finance Guide
Want to know more about the ins & outs of car finance?
Take a look at our comprehensive guide.
Car Finance Options
When you start considering just how you might finance your next car, the amount of options available could feel a touch overwhelming.
There are several types of car finance, each designed for varying ways in which a person might want to finance a car - some are very straightforward, while others offer levels of flexibility.
Further car finance options are available, and choosing which one is all about the finance type that will work best for you - so it’s important to know the specifics before making a decision.
Popular car finance types
Personal Contract Purchase (PCP) - a very flexible car finance option that allows for typically cheaper monthly payments thanks to something called the GMFV
Hire Purchase (HP) - the most traditional way to finance a car, HP is great for those wanting full ownership
Personal Contract Hire (PCH) - for those interested in leasing, this is a perfect finance type for motorists not interested in owning their car
You may also come across other alternative car finance options as Conditional Sale (CS), which is most similar to HP.
Car Dealer Finance
Here at Stoneacre, we’re in a great position to offer you a great choice of car finance packages due to our comprehensive experience with manufacturers and a versatile panel of lenders.
Those after car dealer finance look for both a top deal on a vehicle, as well as security - and we can offer both.
When it comes to car dealer finance on a brand-new vehicle, that’s where our relationships with the manufacturers we officially represent come into play. You’ll be able to enjoy some of the best car dealer finance deals when it comes to new cars, with manufacturer financing offering some of the lowest rates out there. And not only that - as the finance companies in this instance are backed by the manufacturer, they’re as secure as they come.
For those interested in getting car finance for a pre-owned car, this is where our own panel of lenders come in, as well as our award-winning in-house finance team. From the comfort of your own home, you can check your eligibility for finance - risk-free - and then work with one of our dedicated finance coordinators towards getting into a car for an affordable monthly payment.
With over 70 dealerships across England and Wales, we can effectively offer nationwide car finance - all of our franchised dealerships offering full manufacturer financing, while our own panel of lenders can support those who are looking for a car in our used inventory.
Applying for Car Finance FAQ
Important information about applying for car finance at Stoneacre