02380 697 200 07976 720630 Unit 6 Botley Road (next to Jet petrol station), Horton Heath, Eastleigh, Hampshire, SO50 7DN


We offer all our customers the best deals available from Blue Motor Finance

“All our car finance applications use a ‘soft’ search for a decision – An application will not affect your credit score!

Finance is offered from 10.5% APR and can be considered without a deposit (dependent on your credit score and affordability).”

Blue Motor Finance has become one of the UK’s leading Fintech companies, lending over £2bn to more than 210,000 customers. Remarkable growth has led to us being ranked 1st in the Financial Times FT1000 Europe’s Fastest Growing Companies (March 2019).

They provide us with the best-in-class service with a relentless focus on technological innovation, risk management, and the highest regulatory compliance standards. They are one of the market’s most flexible and advanced direct lenders, offering competitive finance packages, quick decisions, and reduced administration time coupled with their innovative customer proposition.

Looking for used car finance?

Apply today at 02380 697200, and we promise to get you the best finance deals available by working hard to obtain the most competitive rates relative to your circumstances.

Different options for VEHICLE FINANCE

Hire Purchase

This is the most common type of car finance and very simply means that you make monthly repayments and usually an admin or purchase fee at the end. Your car loan is secured against the car, which is owned by the lender. While paying, you effectively hire the car from the lender, and once all payments have been made, the vehicle becomes yours.

Personal Contract Purchase (PCP)

Personal Contract Purchase is similar to a Hire Purchase, except that you have the option to buy the vehicle at the end of the loan or hand the vehicle back. If you decide to buy, you pay a balloon payment for the balance of the vehicle’s value. The value is fixed at the start of the agreement – the Guaranteed Future Value – so that you know and can budget for the balloon payment before you commit.

It is excellent for people who want lower monthly repayments and require flexibility and options at the end of the agreement.

Conditional Sale

A conditional sale is similar to a Hire Purchase except that you don’t have to pay a fee at the end of the agreement. Just monthly repayments until the loan are complete. You have possession and use of the vehicle during this period, but it continues to belong to the lender until you have made the final repayment, upon which the vehicle belongs to you. Great for people: Who would rather pay a bit more, spread the fixed repayments, and avoid a large payment at the end, Who wants a choice of length of payment terms

All finance is subject to status.

Credit Problems?

We also have an excellent relationship with Zuto and Car Finance. 

“The Small Car Company Southern) Limited is authorised and regulated by the Financial Conduct Authority. Our FCA reference number for Consumer Credit activities is 666842. You can check this on the FCA register by visiting  http://www.fca.org.uk. The Small Car Company is a credit broker and not a lender. 

We can introduce you to lenders and their finance products. We are not an independent financial advisor. We may advise you on the products subject to your personal circumstances, though you are not obliged to take our advice or recommendation. You must decide whether the finance product is right for you. We will typically receive a commission from lenders for introducing their products, either a fixed fee or a percentage of the amount you borrow. The amount of commission we receive does not affect the amount that you pay to the lender under your credit agreement. (Insert company name) are committed to treating our customers fairly.”

Representative Example
Borrowing £7,000 over 48 months with a representative APR of 19.3%, the amount payable would be £205 a month, with a total cost of credit of £2,831 and a total amount payable of £9,831.
Zuto is a credit broker, not a lender. Our rates start from 7.9% APR. The rate you are offered will depend on your circumstances.
Rates from 7.9% APR: the exact rate you will be offered will be based on your circumstances, subject to status.
Representative example: borrowing £6,500 over 5 years with a representative APR of 19.9%, an annual interest rate of 19.9% (Fixed), and a deposit of £0.00, the amount payable would be £166.07 per month, with a total cost of credit of £3,464.37 and a total amount payable of £9,964.37.
We look to find the best rate from our panel of lenders and will offer you the best deal you’re eligible for. We don’t charge a fee for our service, but we earn a commission. This does not influence the interest rate you’re offered in any