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  • Car Finance


    Finding the right finance to purchase a new car should be a non complicated process, which is why First Quality Finance aim to make the process as simple as possible. Car finance is a way to purchase a new or used car and spread the payments over a period of time. This helps you to pay for your car making monthly installments instead of paying the whole amount in one go.

    To find the best car loan the process is as quick as completing out 2 minute form after which form after which your application will receive instant attention for a quick decision.

    How does car finance work

    As previously mentioned buying a car on finance is a good alternative if you don't have the full price of the car or don't want to wait to save up. Generally speaking the interest rate for car loans can differ with each applicant depending on personal circumstances a good credit history will give you more of a choice and a better finance rate, whereas if you have any adverse credit it will mean your monthly payments will be higher. If possible its always advisable to pay a deposit although not compulsory in most cases, as no deposit car finance is available. The bigger the deposit you pay will reduce the overall monthly car payments. You will also be asked your anticipated annual mileage and it is important you try to keep within this as excessive mileage will reduce the value of the car, which is owned by the finance company until full payment has been made.
    Once you have applied and been accepted you will be provided with a loan amount including the monthly repayment. You can then start looking for a car if you haven't found one already. The agreed car finance will be compatible with most reputable dealerships

    Car finance for all credit types

    Many companies that arrange motor finance can have a strict acceptance rate, which means this often rules out anybody that have blemishes on their credit file. As we are connected to many lenders we can find very competitive rates if you have a good or fair credit history. If however you have adverse credit we can still help you secure car finance, even if you have ccjs or defaults. so if you have been rejected in the past it is highly likely we can help.


  • Representative example:

    Borrowing an amount of £7,500 over 4 a year period with a representative APR of 27.4%, an annual interest rate of 27.4% (Fixed) and a deposit of £0.00, the amount repayable would be £246.43 per month, with a total cost of credit of £4,328.83 and a total amount payable of £11,828.83.

    Rates may differ as they are dependent on individual circumstances. Subject to status.

  • Am I allowed to buy my car from any dealer?

    As soon as your finance as been approved you will be free to chose your car, motobike or van from any reputable dealer within the UK. This will give you the freedom to find your perfect car. The company we work with to help you find the very best car finance deal also carry out extrmley stringint checks on all the approved dealers to ensure you are protected.

    To give you the bext possible chance of finding your perfect car you will be able to browse over 110,00 cars of various makes and models