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Compare a wide panel of lenders with an application that takes just minutes. We’ll help you find a suitable car finance option based on the type of car you want, your budget and whether the finance is for personal or business use.
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Secure a tailored car finance solution for personal or business use, so you can upgrade, expand or stay on the road without putting unnecessary strain on your finances.
Spread the cost of your car with manageable monthly payments while keeping cash free for other priorities.
Move into a newer car with finance built around your budget and the way you want to drive.
Choose from flexible finance options for personal, business and prestige cars with terms tailored to suit you.
Whether you need a family car, a business vehicle or a prestige model, we’ll help you find the right fit.
Prefer to talk? Contact us today on 01908 880420
Car finance gives you the flexibility to spread the cost of a new or used car without a large upfront payment. Whether you are buying for personal or business use, common benefits include:
Car finance is not just about accessing the car you want today – it is about giving you greater flexibility, choice and control over how you pay for it.
For some customers, a car is essential for everyday life, family commitments and convenience. For others, it is an important business tool that supports travel, client meetings, day-to-day operations and professional image.
Whether you are looking to fund a personal car, a company car, a director’s vehicle or a prestige model, car finance can help you move forward without putting unnecessary pressure on your finances.
At The Funding Store, we help personal and business customers find tailored car finance solutions to suit their needs.
Rather than paying the full cost upfront, you can spread the cost over time with a finance option that fits your budget and circumstances.
That means you can secure the right car while keeping your cash flow in better shape, with access to a range of finance solutions for new and used vehicles alike.
No upfront broker fees
Access to over 100 market leading lenders
Funding for almost any purpose
We are continually reviewing funding providers to bring you choice, competitive rates and flexibility, allowing you to access the right finance, at the right time.
Most importantly, we are passionate about what we do. This is evident in our enthusiasm and commitment to assisting you at each stage, and after you have secured your finance.
Car finance is a way of spreading the cost of a car over time rather than paying the full price upfront. The exact structure depends on the product, but common UK routes include Hire Purchase, PCP and unsecured personal loans. (We do not source personal loans)
Most car finance agreements involve an agreed term, fixed monthly payments and sometimes a deposit. Some products also include an optional final payment if you want to keep the vehicle at the end
Yes, many lenders provide finance for used cars as well as new cars. The options available may depend on the age, mileage and value of the vehicle, as well as your own circumstances.
It may be possible, depending on your credit profile, affordability, deposit and the lender’s criteria. Bad credit can affect the products and terms available, but it does not automatically rule out finance. Approval for car loans and finance depends on the lender’s assessment.
Not always. Some lenders and products may allow no deposit options, while others may require an upfront contribution. In many UK car finance deals, a deposit is common, and a larger deposit can reduce monthly payments.
Hire Purchase is designed around paying for the vehicle over the agreement term and then owning it once all payments are made. PCP usually offers lower monthly payments but may include an optional final balloon payment if you want to buy the car at the end.
Early settlement may be possible, but the amount payable will depend on your agreement and lender. The exact figure should always be confirmed before making any decision.
Yes. Personal car finance is arranged for private individuals, while business car finance is designed for companies, sole traders and partnerships. The application process, ownership structure and supporting information can differ.
In some cases, yes. Same-day or instant decisions may be available, subject to the lender, product and qualifying criteria. All finance is subject to status.
Whether you are looking for personal car finance, business car finance, company car finance, directors’ car finance or supercar finance, The Funding Store can help you compare suitable options in one place.
We arrange car finance for new and used vehicles, working with a wide panel of lenders to help match customers to the right product and the right terms.
Whether you are a private individual buying your next car, a business funding a company vehicle, or a director looking at finance for an executive or prestige vehicle, we can help you explore the most suitable route.
Car finance is not one-size-fits-all. Some customers want low monthly payments. Others want ownership at the end of the agreement. Some need speed, while others want to keep deposits low and preserve cash flow. We take all of that into account when helping you compare your options.
No deposit options, same-day or instant decisions may be available, subject to product, lender and qualifying criteria. All finance is subject to status.
Get a quote by completing the form above, or explore the car finance options below.
Choose the route that best suits your circumstances.
If you are buying a car for your own use, personal car finance can help spread the cost into manageable monthly payments.
This can be suitable for new and used cars, and for customers who want flexibility around deposit size, agreement length and ownership options.
Business car finance is designed for companies, sole traders and partnerships looking to fund a car for commercial use.
It can help preserve working capital while giving your business access to the vehicle it needs.
If your business is buying or funding a company car for an employee or director, company car finance can offer a tax-efficient and cash flow-friendly way to spread the cost, depending on your circumstances.
Directors’ car finance is aimed at limited company directors looking to fund a vehicle through the business or in a way that reflects their trading position, income structure and credit profile.
For prestige, luxury and high-value vehicles, supercar finance can provide tailored funding solutions with the right structure, the right lender and the right approach to specialist assets.
For many people and businesses, paying the full cost of a car upfront is not the most practical option.
Car finance makes it possible to spread the cost over time, helping you protect cash flow while securing the vehicle you want now.
Depending on the product and lender, car finance may help you:
Common UK car finance structures include Hire Purchase (HP) and Personal Contract Purchase (PCP), with PCP typically involving a deposit, monthly payments and an optional final balloon payment if you want to own the vehicle at the end.
HP usually involves fixed monthly payments and ownership once all payments are made.
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All without obligation
We support a wide range of customers looking for car finance, including:
If you are looking for a personal vehicle and want a manageable monthly payment, we can help you explore personal car finance options for both new and used cars.
If you are self-employed and need a car for work or mixed use, we can help you look at suitable finance routes based on your circumstances.
If your business is funding a car for company use, a director, a senior employee or a wider fleet requirement, we can help you compare available options.
If your income is structured around salary, dividends or retained profits, directors’ car finance may need a more tailored approach than a standard consumer application.
If you are buying a high-value, specialist or luxury vehicle, we can help you look at suitable finance structures for prestige assets.
We arrange finance for both new cars and used cars.
For many customers, used car finance offers strong value because it can make higher-specification vehicles more affordable while still spreading the cost over an agreed term.
For others, a new car may offer lower running costs, manufacturer support and access to the latest technology and emissions standards.
Whichever route you choose, the right finance option will usually depend on:
At The Funding Store, we understand that not every customer has a perfect credit history.
We can consider enquiries from customers with:
Every application is assessed on its own merits. The available products, rates, deposit requirements and terms will vary depending on the lender, the vehicle, your credit profile and your overall affordability.
If you have had credit issues in the past, that does not always mean finance is impossible, but it may affect the options available.
Car finance approval decisions depend on the lender’s underwriting and affordability checks.
Some customers want to keep their upfront spend as low as possible. In some cases, no deposit car finance may be available, subject to the lender, product, vehicle and your credit profile.
Where no deposit options are not available, we may still be able to help you find a solution with a lower deposit requirement.
A larger deposit can reduce monthly payments, while a lower deposit can help preserve cash for other needs.
Deposits are commonly part of UK car finance arrangements, although the exact requirement varies by product and lender.
Car finance is a way of spreading the cost of a vehicle over an agreed period rather than paying the full amount upfront.
The exact structure depends on the finance product, but most arrangements involve a deposit or initial payment, fixed monthly payments and an agreement term.
Let us know whether the car is for personal or business use, whether it is new or used, your budget, and the type of vehicle you want to finance.
We assess the available routes based on your circumstances and the type of vehicle, then help you compare suitable products and lenders.
Some customers prioritise lower monthly payments. Others want ownership at the end. Others want to minimise the initial outlay. We help you select the route that best fits your objectives.
Same-day or instant decisions may be available, subject to lender and product criteria. Once approved, the lender will issue the documentation and confirm the next steps.
Once everything is in place, the vehicle can be purchased and the agreement begins.
Rather than relying on one provider, we can compare options from a panel of lenders to help identify a suitable route.
We can help with both consumer and business-related car finance enquiries, including more specialist requirements.
We arrange finance for both new and used cars across a wide range of budgets and vehicle types.
We keep the process clear and practical, helping you understand your options without unnecessary jargon.
Whether you have strong credit, limited history or previous issues, we can consider your enquiry and explore suitable routes, subject to status.
If you want to understand your options before making a decision, we can provide a no obligation quote.
If you are exploring wider vehicle finance needs, you may also find these pages useful:
If your requirement is not purely car-related, we can also help you explore broader Asset Finance solutions.
If you are looking for car finance in the UK, whether for personal use, business use, a company vehicle, a director’s car or a prestige purchase, we are here to help.
We will take the time to understand what you need, explain the options clearly and help you compare suitable routes.
Get a quote today and find out what may be available for your circumstances.
