Your dream car is waiting! Get behind the wheel of the car you've always wanted, without spending months or years saving – it’s never been easier.
Car finance is a means of keeping and using a car backed by a financial agreement with an FCA approved lender. Historically this comprised of a loan to pay back via monthly instalments in order to gain ownership of the vehicle. But this has changed dramatically over recent years with the offering of more financial options to effectively lease the vehicle whilst still keeping the car for daily use and over a several year period. The term car finance covers both approaches to keeping a vehicle.
Having been in operation since 2004, Creditplus have grown strong relationships with the top UK lending banks. This means that not only can we offer our customers the most competitive interest rates, but we can also offer a wide range of flexible finance options to satisfy their individual needs. As an FCA approved broker, it is our duty to ensure any finance options we offer you are suitable and affordable.
At Creditplus we don’t just offer you the best car finance options across the market’s top lenders. Creditplus will fully vet the vehicle and dealership to ensure you’re getting a great deal. We’ll let you know the MOT status including recent history, service history, warranty status, ensure the vehicle hasn’t been written off or stolen, vet the dealership and let you know whether there are any potential dealership issues to be made aware of such as bad reviews, negative trading history or regulatory concerns – all at no extra cost.’
Simply Apply Online Today, to discuss your options with a friendly car finance consultant.
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When you apply for car finance with Creditplus you’ll be assigned your own personal and dedicated consultant, who will not only work hard to find you the best possible finance options available to suit you and your needs, but who can also find you your perfect car at the right price.
Your consultant is there to support you throughout your car finance journey and will keep you informed and in control at every step of the way. Your consultant is also your point of contact if you have any queries, need anything explained further or if you change your mind in any way.
Finally, your consultant is there to support you with whatever you need to get your car. So, whether you've already found the perfect car and just want the money, or you want your consultant to find and delver the right car to your door with the best finance package, then we're happy to help.
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Expert help finding your car
Our team of car buying experts and logistics specialists will help you find your perfect car whether your looking to buy or lease.
If you're looking to buy a car, Creditplus will jump into action and begin fully vetting the vehicle and dealership to ensure you’re getting a great deal. We’ll let you know the MOT status including recent history, service history, warranty status, ensure the vehicle hasn’t been written off or stolen, vet the dealership and let you know whether there are any potential dealership issues to be made aware of such as bad reviews, negative trading history or regulatory concerns.
If you prefer to lease a car then we can source a brand new or nearly new car of your choice quickly and easily, and of course deliver it to your door at your convenience.
Alternatively, if you're not sure what your options are then we can help. Simply complete the online apply form and a friendly consultant will be in touch to talk you through your car and finance options.
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Outstanding customer service
We are passionate about providing the best possible experience for all of our customers.
We treat all our customers with the upmost respect and do or best to go the extra mile so that you get the best value from dealing with us.
Our consistent excellent customer review rating over the years shows that we mean what we say.
The most popular finance options are Personal Contract Purchase and Hire Purchase, both of which are cost effective methods of spreading the cost of a vehicle over affordable monthly payments. Fundamentally which option you choose will depend on your credit profile and whether you wish to own the car at the end of the finance agreement.
Personal Contract Purchase (also referred to as PCP), offers the most flexibility and lowest monthly payments, with a choice of 3 options at the end of your contract. You can either exchange your car for a newer model, pay a balloon payment and keep the car, or simply return it to the lender. Monthly payments are typically lower because you’re not paying off the full value of the vehicle. Instead your monthly cost is simply based on the estimated depreciation of the car over the length of your contract, plus interest. For more information on this finance option please visit our Personal Contract Purchase page.
With Hire Purchase (HP), you own the car at the end of the contract. The value of the vehicle is spread evenly across your monthly payments and once the final payment has been made, it’s all yours. HP monthly payments are normally higher than PCP because you're paying off the full cost of the vehicle during your contract term. For more information on this finance option, please visit our Hire Purchase page.
*If you choose to pay the balloon payment
Choosing the right finance package is entirely your decision. But if you’re unsure what’s best for you and you’d like to discuss your options with an experienced consultant, simply complete our no-obligation application form and a member of the team will be in touch.