Car Finance

Vincent Cars have a dedicated team of finance experts waiting to help with your enquiry.

We have relationships with high street lenders and specialist motoring finance houses too, that is why we have helped hundreds of customers secure the best finance deal for their budget.

Our expertise with finance means that even if you have a poor credit rating we can help arrange finance for you.

Car finance is becoming an increasingly popular way of purchasing cars as the opportunity to space out car payments is attractive to some car buyers.

Vincent Cars is a credit broker, not a lender, which means that we work with a variety of specialist lenders and motoring houses to determine the best finance quote for you to consider.

There are a variety of finance contracts available, although Hire Purchase, PCP and Personal Leasing tend to be the most popular. Each of these finance types has different aspects that make up the monthly repayments, as well as what's expected to happen with the vehicle once the contract ends.

Hire Purchase finance typically has the most expensive payments that are made up of the vehicle's value plus interest, and once all payments have been made then ownership of the vehicle is transferred over to you.

PCP and Personal Leasing finance have often less expensive payments as you are more expected to return the vehicle once the contract ends. Aspects such as the vehicle's value, depreciation, agreed mileage limits are taken into account when determining what the monthly repayments will be.

As your credit score will be taken into account as well, applying for finance can be off-putting if you have a less than perfect credit score. However there are lenders who specialise in poor credit, and having a larger deposit can reduce the amount you would have to pay back.

When you fill out our application form, we'll conduct a soft search that won't harm your current credit rating. Then we'll get back to you as soon as possible to talk you through your options and what you can do next. Our Representative APR is 7.9%.

So, if you're considering financing your next car, then why not take a look through our range of quality used vehicles today. We can also part exchange your vehicle as well.