Car Finance in Exeter | 10.9% Representative APR

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Finding the right vehicle is exciting, but we know that sorting out the payment plan can feel a bit daunting. At Motor City Plymouth, we make car finance in Exeter simple and stress-free. Our friendly team works with a wide range of buyers and different financial circumstances to help you get behind the wheel of a car you love. We believe in a no-pressure environment where you can make the best choice for your budget.

We offer a competitive 10.9% Representative APR, and all finance is subject to status. While we are located in Plympton, many of our customers travel from Exeter because of our exceptional aftersales package and high-quality stock. The drive is very straightforward; simply take the A38 south from the M5 at Exeter, and you will reach us in about an hour. It is a small trip for a deal that could save you money and provide peace of mind for years to come.

Car Finance Deals in Exeter - Your Options Explained

We offer three main types of car finance deals in Exeter to ensure there is a plan that fits your lifestyle. Our experts are always happy to explain these in more detail, but here is a simple look at how they work:

  • Personal Contract Purchase (PCP): This is a flexible option that usually offers lower monthly payments. You pay a deposit and monthly installments, and at the end of the term, you can choose to pay a final balloon payment to keep the car, trade it in, or simply hand it back.
  • Hire Purchase (HP): This is a great choice if you want to own the car outright at the end of the agreement. You pay a deposit and then spread the rest of the cost over a set number of months. Once the last payment is made, the car is yours.
  • Conditional Sale: This is similar to Hire Purchase because you will eventually own the vehicle. The main difference is that you automatically become the owner once all the payments are made, without needing to pay an ""option to purchase' fee at the end.

Why Choose Motor City Plymouth for Car Finance?

Choosing the right dealership is just as important as choosing the right car finance in Exeter. While there are many local options, our unique benefits make us the preferred choice for drivers across Devon. We focus on providing incredible value and long-term support that most big-name garages cannot match.

  • All our vehicles are HPI clear and pass a strict 69-point safety check and service.
  • Your purchase includes a 3-month warranty and a 12-month MOT for total confidence.
  • We offer free MOTs for life (T&Cs apply), helping you keep your running costs down.
  • You can choose from approximately 100 vehicles in stock across 19 different brands, and almost half of our stock consists of automatic models.
  • We welcome part exchange, allowing you to use your current car as a deposit toward your next one.
  • Our reputation matters to us, and you can read our customer reviews to see why so many people trust us.

Browse Our Used Cars to Suit Your Budget

If you are looking for reliable used cars, we have a fantastic variety of petrol and diesel models. Our stock focuses on mainstream brands, with a particularly strong range of SUVs and practical hatchbacks. Most of our vehicles are registered between 2016 and 2020, typically having between 40,000 and 75,000 miles on the clock.

Our prices generally range from £10,000 to £20,000, though we have options starting from £6,999 up to £68,000 for premium badges. Whether you are a first-time buyer or a growing family, we have something that fits your needs. You can start your journey today by applying for finance online or browsing our current stock.

Frequently Asked Questions

What credit score do I need for car finance?

There is no single magic number required to get car finance in Exeter. We work with a variety of lenders who look at many different factors, so we encourage you to speak with us regardless of your credit history.

Can I part exchange my current car?

Yes, we make it very easy to trade in your old vehicle. The value of your current car can be used to lower your monthly payments or act as your full deposit for a new finance agreement.

How long does a finance application take?

In most cases, we can get a decision back from our lenders very quickly. Many of our customers receive an answer on the same day they apply, allowing you to get on the road sooner.

Is finance available on all vehicles in stock?

Yes, car finance is available across our entire range of approximately 100 vehicles. Whether you want a compact hatchback or a large SUV, we can help you find a monthly payment plan that works for you.

Representative Finance Example Vehicle Price: £15,000.00 | Deposit: £1,500.00 | Total Amount of Credit: £13,500.00 | 60 Monthly Payments: £289.82 | Final Payment: £0.00 | Total Amount Payable: £18,889.20 | Duration of Agreement: 60 Months | Representative APR: 10.9% | Interest Rate (Fixed): 5.65%

Finance is subject to status. Terms and conditions apply. Motor City Plymouth is a credit broker and not a lender. We may receive a commission for introducing you to a limited number of lenders.