Finance

    4 Simple Steps To Your Next Car

    Apply Online

    Complete our Quick Finance Application Form

    Get Approval

    Based on your personal affordability and credit history, we will inform you of your credit limit

    Choose Your Car

    Choose your Next Car from our extensive range of high quality used cars. We have fresh stock arriving daily

    Drive Away

    Complete the finance documentation and drive away in your Next Car!

    Our Newest Stock

    Rates offered are based on individual affordability and circumstances. Representative example – if you borrow £9,995.00 at 9.9% APR over 60 months, at an annual interest rate of 5.19% Fixed and no deposit, your monthly repayment would be £209.80. Total cost of credit £2,593.00 and total amount payable £12,588.00. Rates may vary. Subject to approval.

    We Can help

    Bad Credit?
    Refused Credit?
    Bankruptcy?
    Self Employed?
    Unemployed?
    Receiving Benefits?
    CCJ’s, Defaults and/or Arrears?
    Provisional License?
    EU Licence?
    No Deposit?
    No Part Exchange?

    Quick Free Finance Application

    Our tailored finance solutions are based on individual circumstances and affordability therefore APR may vary. Ensuring your car finance is affordable and within your budget can also help to repair and rebuild poor credit.

    Finance Options

    Hire Purchase

    Hire Purchase is the most recognised car finance package available. The car is owned by the finance company until you have made all scheduled payments set out in your finance agreement. If multiple payments are missed, the finance company has the authority to repossess the car. Once the final payment has been made, you own the car. Hire Purchase agreements are most often spread over one to seven years and are on a fixed repayment term so your payment will remain the same for the duration of the agreement. With Hire Purchase you do not have to keep the car for the full duration of the agreement term; you can sell, part exchange or upgrade at any time subject to terms and conditions. 
    Our terms range from 12 – 84 months.

    Personal Contract Purchase

    Personal Contract Purchase offers flexibility to those customers who like to change their car every two to three years. This finance package provides lower monthly payments followed by a large final payment. By the end of the agreement you will have paid off around 30% of the total price and can opt to pay a final large settlement in order to own the car yourself, you can return the vehicle to the finance company or bring it back to us and start the process again to upgrade. 
    Our terms range from 12 – 48 months.

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    We work closely with a range of finance partners in order to offer our customers the best chance of acceptance and the best available rates for all budgets and circumstances.

    Financial Disclosure 

     

    Next Car is authorised and regulated by the Financial Conduct Authority (FCA) for general insurance mediation and credit broking activities. Our Firm Registration Number (FRN) is 804029.

    We are classed as a credit broker not a lender and can introduce you to a limited number of lenders and their finance products. We are not an independent financial advisor. We may advise you on the products, subject to personal circumstances, though you are not obliged to take our advice or recommendations.

    We do not charge a fee for our services. We may receive a commission from whichever lender we introduce you to, either a fixed fee or a fixed percentage of the amount borrowed. For your reassurance, all the lenders we work with could pay commission at different rates, the commission we receive does not influence the interest rate you are eligible for from our panel of lenders.

    Calls may be recorded or monitored. Web price is based on taking our Next Car comprehensive finance package.

    Next Car cannot guarantee that a car has not already been sold prior to reserving the vehicle.