PROVIDER

CARS AND FINANCE

WHO ARE THEY?

Registered Office: Cars and Finance Limited, The Gateway, 10 Leeds Road, Sheffield S9 3TY. No Company Registration No displayed on website.

Cars and Finance are an internet only automotive and financial supermarket. It offers discounted vehicles in combination with low rate lending.

USP

Cars and Finance jointly run, with one of Europe's leading banks, their own credit company. This gives them the freedom to set their own finance lending and pricing policy. This way all customers get offered a great low rate that most other motor dealerships cannot compete with and most direct lenders would only offer to a select few customers.

PROS

Huge choice of heavily discounted brand new cars. Low fixed rate APRs. GAP and RTI insurance available on all cars. Collection not always necessary as cars can be delivered to your home address. You don’t need to buy one of their cars to take advantage of their low rate loans. Motor Loan, Lease Purchase and Personal Contract Purchase schemes available. Motor Loans can be taken over one to five years.

CONS

Acceptance and APR subject to status. Your car will be at risk should you not maintain your regular payments. Car loans may not be the most effective solution to your requirements, if in doubt, seek independent financial advice.

CHARGES

Typical APR 6.9%.

APPLICATION OPTIONS

Apply by phone.

WHO CAN APPLY?

No details regarding application criteria published on the site. Typical requirements for this type of lending: UK resident aged 18 or over with a regular income.

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