Car Finance Without The Dealer’s Rate
PCP, Hire Purchase, Lease Purchase and refinance — sourced from a panel of UK lenders, not a single dealer. One application, multiple options. FCA-authorised credit broker.
- Independent – not tied to any dealer or lender
- Access a panel of UK lenders, not one
- FCA-authorised credit broker
Car Finance Without the Dealer’s Rate
PCP, Hire Purchase, Lease Purchase and refinance — sourced from a panel of UK lenders, not a single dealer. One application, multiple options. FCA-authorised credit broker.
- Independent – not tied to any dealer or lender
- Access a panel of UK lenders, not one
- FCA-authorised credit broker
The Better Way to Finance Your Next Car
Most drivers take whatever the dealer offers. That’s rarely the best deal. We search a panel of UK lenders — one application, options side by side, no obligation.
When it Comes to Car Finance, There are Different Finance Options:
Personal Contract Purchase
Lower monthly payments. At the end: keep it, hand it back, or part-exchange it. Best for: changing cars every few years.
Hire Purchase
Pay it off over an agreed term. At the end, the car is yours. Best for: owning outright, no mileage limit.
Lease Purchase
Lower monthlies like PCP, but you own the car by design at the end. Best for: guaranteed ownership with lower payments.
Refinancing
Stuck on a balloon or a bad dealer rate? We can potentially reset it. Best for: cutting payments or clearing a balloon.
A Better Way to Finance Your Next Car
Most people who take car finance take whatever the dealer offers them. That’s rarely the best deal. Dealer finance is tied to one or two lenders with rates set to cover the showroom’s commission, and the paperwork is rushed through on a Saturday afternoon when you’re focused on the car, not the loan.
Percy Finance is different. As an FCA-authorised credit broker independent of any dealer or manufacturer, we search a trusted panel of UK lenders on your behalf – comparing rates, structures and terms – and present the options side by side. One application. No obligation.
Why Percy Finance?
✔ Flexible Car Finance Options
✔ Access to a Wide Panel of UK Lenders
✔ FCA Authorised Credit Broker
✔ Supporting Individuals & Businesses Nationwide
Types of Car Finance – Which One’s Right for You?
Who Can Apply for Car Finance?
If you’ve been turned down before or assumed you wouldn’t qualify, it’s worth a conversation. The value of using a broker is access to lenders that individual banks and dealers don’t use — which means profiles declined elsewhere often find a home on our panel.
- UK residents aged 18 or over with a valid UK driving licence
- Employed, self-employed, retired and contract workers — subject to proof of income
- Company directors and sole traders financing a personal vehicle
- Applicants with limited credit history, subject to lender assessment
- Applicants with varied credit profiles — specialist lenders on our panel consider a range of circumstances
- Part-exchange customers — existing vehicle value can be considered within an application
All applications are subject to status, affordability and lender criteria. Approval is not guaranteed. Percy Finance Ltd is an FCA-authorised credit broker, not a lender.
New & Used Car Finance – Dealer, Auction or Private Sale
Percy Finance arranges funding for new and used cars bought from UK dealers, main-franchise showrooms, online platforms, auctions and private sellers. Used cars – particularly those bought at auction or from a private seller – often need a specialist lender rather than a dealer’s in-house finance. That’s where working with an independent broker pays off.
Whether you’re buying a late-model executive saloon from a franchise, a family car from a local dealer, a classic from an enthusiast auction, or a vehicle directly from a private seller found through Auto Trader, eBay or a specialist site, lenders on our panel will consider a wide range of vehicles and sale types.
All finance is subject to the vehicle & dealer meeting individual lender criteria and standard verification checks.
Other Car Finance Options We Arrange
Beyond the four main structures, we arrange car finance for specific situations that standard dealer or bank finance often can’t accommodate. If one of these matches yours, we can help.
We Can Source a Range Of Finance Solutions…
We arrange a variety of vehicle finance solutions depending on your needs, vehicle type, and preferred repayment structure.
Real Deals, Real Customers
A moment from a recent customer handover. Every Percy Finance deal is handled personally by our team — from first enquiry to driving away. Real care, real attention, and a specialist who stays with you through the whole process. It’s how we’ve built the business.
