Local Car Finance

Car Finance Locally

Are you interested in local car finance?

At Motor City Plymouth, we can help you get approved for used car finance!

Depending on your needs and financial situation, a car finance agreement might be worth considering.

One of the biggest advantages of choosing a car finance agreement is that you'll be able to make the process of buying a car more affordable.

What car finance agreements can I get with Motor City Plymouth?

We're able to offer drivers both hire purchase (HP) and conditional sale (CS) car finance agreements.

The two finance options share similarities in that you'll be making payments that total the cost of the car plus interest. While this can make the payments expensive, it does suit drivers who want to own the car once the contract ends.

What else do hire purchase finance and conditional sale have in common?

  • You may be expected to put down a deposit that's at least 10% of the car's value
  • The loan is secured against the car so it can be repossessed if you fall behind on payments
  • You'll need the finance company's permission if you want to sell or modify the car as they're still the owners while you're making payments

What's the difference between hire purchase finance and conditional sale?

Where these two finance options differ is that with a hire purchase finance agreement, you'll be expected to pay a small purchase fee before the car can be transferred over to you. Which isn't the case with a conditional sale.

What are the benefits of choosing a hire purchase finance agreement or conditional sale?

  • The repayment amount is fixed for the duration of the contract
  • You can choose the contract length that works for you, usually between 1 and 5 years
  • As long as you can put down the minimum deposit amount, you can start the finance agreement
  • Since payments are made up of the car's value and interest, it can be simple and easy to arrange these types of agreements

Why should you finance your car with Motor City Plymouth?

We are one of the largest car dealers in Plymouth

Being able to offer car buyers the choice of a variety of used cars means that you get to compare different makes and models in one place!

Our cars vary in pricing so we encourage you to take a look so that you can find the car that best suits your budget.

You can perform a free credit check before applying

On each of our specific car listing pages you'll have the opportunity to complete a free credit check so you can determine whether you're eligible for car finance before you apply.

We'll require some basic information and because it's a soft search, it won't harm your credit score!

You can part exchange your current car as part of a car finance deal

We can provide a free valuation for your car, and if you're happy to continue the process with us you could choose to use the valuation as a deposit for another car you'd like to finance!

It's possible to get approved for car finance even if you've been refused elsewhere

One thing that's important to remember about car finance is that if you've been refused by one lender, it's possible that another may accept you. This is because the specific requirements needed to approve an application varies between lenders.

We've partnered with more than 30 different finance companies, so if you apply with us then we would act as a credit broker to determine which one would be the right lender for you.

Take advantage of our car finance glossary to understand the terms

If you'd like more information about car finance and what the different terms mean, we have several resources on our website including our car finance glossary.

Here you get a better understanding of the different words and terminology before you decide to start the application process.

How to apply for car finance

Motor City Plymouth 1. Search

Browse our selection of cars and pick out one that catches your eye.

Motor City Plymouth 2. Check

Get a free finance check without impacting your credit score.

Motor City Plymouth 3. Test

Arrange a test drive at a time and date that suits you.

Motor City Plymouth 4. Submit

Decide on an affordable deposit and monthly repayment to fit your budget and submit your application.

Motor City Plymouth 5. Accept

Get accepted and drive away!