How car finance works
How car finance works
Any car | Any dealership | No deposit | Large panel of lenders | All circumstances
1. Apply now
Tell us about yourself and how much you’re looking to borrow. You’ll get a quick decision and one of our car buying experts will be in touch.
2. Get approved
We have a 85%+ approval rate across all of our lending platform. Most decisions are made within less than 5 minutes.
3. Start your search
If you already have a car in mind, that great. If not, we are more than happy to help you find your new car.
4. Sign your documents
Once you are happy with your quote, we will send over your paperwork on an e-sign.
5. Get on the road
Once the lender has done their final checks and if you can proceed, we’ll pay the dealer so all you need to do is pick up the car.
1. Apply now
Tell us about yourself and how much you’re looking to borrow. You’ll get a quick decision and one of our car buying experts will be in touch.
2. Get approved
We have a 85%+ approval rate across all of our lending platform. Most decisions are made within less than 5 minutes.
3. Start your search
If you already have a car in mind, that great. If not, we are more than happy to help you find your new car.
4. Sign your documents
Once you are happy with your quote, we will send over your paperwork on an e-sign.
5. Get on the road
Once the lender has done their final checks and if you can proceed, we’ll pay the dealer so all you need to do is pick up the car.
The Car Financer
Riverside, Mountbatten Way, Congleton,
Cheshire, CW12 1DY
T 01625 324 444
F 01625 324 443
Company details
Our services
Car finance
The Car Financer is a trading style of The Vehicle Financer LTD. The Vehicle Financer LTD is authorised and regulated by the Financial Conduct Authority (FRN: 834015). We act as a credit broker not a lender. We can introduce you to a limited number of lenders who may be able to offer you finance facilities for your purchase. We will only introduce you to these lenders. We may receive a commission payment from the finance provider if you decide to enter into an agreement with them. The nature of this commission is as follows: we receive either a fixed fee per finance agreement entered into, or we receive a commission based on a percentage of the total amount of finance taken by the customer. You can request for us to disclose the amount of any commission received. The commission received does not affect the amount you will pay under your finance agreement. You may be able to obtain finance for your purchase from other lenders and you are encouraged to seek alternative quotations. If you would like to know how we handle complaints, please ask for a copy of our complaints handling process. You can also find information about referring a complaint to the Financial Ombudsman Service (FOS) at financial-ombudsman.org.uk
The Car Financer is a credit broker and not a lender. Rates from 5.9% APR. Borrowing £7,500 over 48 months with a representative APR of 18.4%, the amount payable would be £216.45 a month, with a total cost of credit of £2,889.60 and a total amount payable of £10,389.60.
All finance is subject to status and income. Written quotations are available on request. Our advisors are all SAF (Specialist Automotive Finance) approved. The Vehicle Financer is a limited company registered in England and Wales. Registered number: 9970074. Registered office: The Vehicle Financer, Riverside, Mountbatten Way, Congleton, CW12 1DY. ICO registration number – ZA171810.