Car Finance · Business & Personal

From the daily drive to the dream car

New or used, everyday runaround or something special, for your business or yourself. We arrange hire purchase, PCP, lease and balloon agreements through a panel of UK lenders, with a dedicated specialist looking after you.

Get your quote or call 01234 413349

No-obligation quote · Quick decisions

  • New, used & prestige
  • Business or personal
  • HP, PCP, lease & balloon
  • Same-day decisions

Your options

Ways to finance your car

Whether you want to own it, swap it every few years, or keep payments low, there is a route to suit.

Own it at the end

Hire Purchase

Spread the cost in fixed monthly payments. The car is yours outright once the final payment is made.

Best for owning the car long term
Lower monthly cost

PCP

Pay less each month, then at the end choose to pay the final balloon and keep it, hand it back, or part-exchange.

Best for changing car every few years
Popular with business

Finance Lease

Use the car over an agreed term for a lower upfront cost, with potential tax advantages for businesses.

Best for companies and directors
Built around you

Tailored terms

Balloon payments or other structures, shaped to fit your budget and how you like to pay.

Best for bespoke requirements

How it works

From quote to keys

1

Get your quote

Tell us the car and a few details. No obligation to proceed.

2

Same-day decision

Your specialist searches the market and comes back fast, often the same day.

3

Approve your agreement

Review the terms and sign when you are completely happy.

4

Drive away

The car is paid for and you are out on the road.

Car finance FAQs

Can I finance a new or used car?
Yes. We arrange finance on new and used cars, including prestige, performance and classic vehicles.
Can I get car finance personally or through my business?
Both. We arrange personal car finance for individuals, and business car finance for companies and directors.
What is the difference between HP and PCP?
With hire purchase you make fixed monthly payments and own the car once the final payment is made. With PCP your monthly payments are usually lower, and at the end you choose to pay the final balloon payment and keep it, hand it back, or part-exchange.
Will applying affect my credit score?
We can give you an indicative quote without a full credit search. A formal application will involve a credit check, which we will always explain to you first.
Can I finance a high-value or prestige car?
Yes. We regularly arrange finance for prestige, performance and classic cars, as well as everyday vehicles.
Do you charge a fee?
No, we don't charge you a fee for arranging your car finance. We may receive a commission from the lender, which varies and is confirmed before you proceed.

Ready to get started?

Get your car finance quote

Tell us the car and a few details, and your specialist will come back fast, often the same day. No obligation.

Call our team: 01234 413349 Get your quote online

Access Business Finance Ltd is a credit broker, not a lender, and an Appointed Representative of EFT Finance Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 667290). We may receive a commission from lenders, which varies by lender and will be confirmed before you proceed.