Flexible car finance

Car Finance
Made Simple

Flexible finance solutions available on our vehicles — designed to help you drive away in the car you want, with payments tailored around your budget.

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Flexible Finance

Flexible finance solutions available on our vehicles

We work closely with our customers and trusted finance providers to help make purchasing your next vehicle simple, affordable, and stress-free.

Whether you are looking to upgrade your current car, spread the cost of your purchase, or secure a more manageable monthly payment, our finance solutions are designed to help you drive away in the vehicle you want with payments tailored around your budget.

With a range of flexible finance packages available, including zero deposit options on selected applications, we aim to help make vehicle ownership more accessible than ever.

Enquire About Finance Today

Getting started is quick and straightforward — our team will guide you through every step.

  • Speak to our team about the vehicle you are interested in
  • Receive tailored finance options based on your circumstances
  • Compare finance packages from our trusted lenders
  • Enquire from the comfort of your own home
  • Save time at the dealership

Once we understand your requirements, our finance team will work to help find the most suitable finance package available for your circumstances.

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The Benefits

Why Choose Car Finance?

Vehicle finance is now one of the most popular ways to purchase a car in the UK, giving customers greater flexibility and affordability when buying their next vehicle.

Spread the Cost

Rather than paying a large amount upfront, finance allows you to spread the cost over fixed monthly payments, helping make budgeting easier.

Drive a Better Vehicle

Finance can often allow you to access a newer vehicle, higher specification model, or lower mileage car than you may have considered when paying outright.

Keep Your Savings Available

Instead of using all of your savings on one purchase, finance allows you to keep money available for other important expenses or emergencies.

Flexible Deposit Options

Selected finance agreements may be available with zero deposit, helping you secure your next vehicle without needing a large upfront payment.

Fixed Monthly Payments

Many finance agreements include fixed monthly payments, giving you confidence and clarity throughout your agreement term.

Upgrade More Regularly

Many customers choose finance because it gives them the flexibility to change their vehicle more frequently and enjoy newer models more often.

Available Products

Finance Options Available

Choose the agreement that works best for you.

Option 1

Hire Purchase (HP)

Hire Purchase is a simple and straightforward way to finance a vehicle.

  • You may pay a deposit upfront, although zero deposit options may be available
  • The remaining balance is spread over fixed monthly payments
  • Once all payments are completed, the vehicle becomes yours
  • There is no large final balloon payment

HP is often ideal for customers looking for a clear path to ownership with fixed repayments.

Option 2

Personal Contract Purchase (PCP)

PCP finance can provide lower monthly payments compared to traditional finance agreements and offers additional flexibility at the end of the agreement.

  • You pay fixed monthly instalments over an agreed term
  • An optional final payment may be available at the end
  • At the end of the term you can keep, return, or part exchange the vehicle
  • We can also provide bespoke PCP quotations on request

PCP quotes can vary depending on residual values, annual mileage, deposit amount, and term. We are happy to provide tailored illustrations designed around your individual driving needs.

Why Finance With Us?

We aim to make vehicle finance simple, transparent, and customer-focused.

Competitive Finance Packages

We work with a panel of lenders to help find competitive finance options for a wide range of customers and budgets.

Quick & Simple Process

Our finance enquiry process is designed to be fast, easy, and clear from start to finish.

Tailored Finance Solutions

Every customer is different, which is why we aim to provide finance solutions tailored around your individual circumstances.

FCA Regulated

All finance arrangements are fully FCA regulated, helping ensure that finance is offered responsibly, fairly, and transparently.

Professional & Friendly Support

Our team is here to help guide you through the process and answer any questions you may have throughout your finance journey.

Here to Help

From enquiry to handover, our team is on hand to make the finance journey easy and clear.

Start Your Finance Enquiry Today

If you have found the perfect vehicle on our website, get in touch with our team and we will work with you to help find the most suitable finance solution available for your needs.

Drive away sooner with flexible finance solutions.

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Dealer Finance Partnerships: We may receive a commission from finance agreements depending on the lender, agreement type, finance rate, and term selected. This does not affect our commitment to treating customers fairly and providing clear and transparent finance solutions at all times.

What our customers say about us

Our Reviews

Definitely the easiest car purchase I've made. The ad was very detailed, great photos and gave me everything I needed to know. I was able to arrange a test drive very quickly, the car was exactly as described so I bought it. Ray Morris Automatic Cars are a great garage offering a personal service , great cars in perfect condition at great prices. My sales agent Sam made the whole process so easy - thank you so much. I will definitely be recommending Automaric Cars to my friends and family
— Vikki R
From start to finish Ray and Mike were professional honest and straightforward the car we purchased was really clean and even had new Automatic Cars Ltd carpet mats the next time we change we will visit them first. Frank.
— Frank B
I would recommend. I am really pleased with my Nissan Juke from Automatic Cars. It was clean and in good condition when I received it and I have had no issues with it at all. The dealers were very helpful and friendly and the car is good value for money.
— Mercy O
Not a lot to add about this dealership, they were great! High quality vehicle, excellent service and a quick resolution for any queries I had.
— Paul R
I bought a 4 yr old car with 8k miles on the clock, an ex disability registered car, hence the low mileage. I found dealing with this firm pleasant, unlike many other firms who could not care less about matching you to a car that you want. NO HARD SELL. I needed an automatic that was easy to get in and out of. This car is good for that. 4 months later, no issues. Car running fine. They gave me free road tax and sorted all the paperwork and gave the car a valet. I would recommend them.
— John G
No issues at all, very happy with everything! I bought a Vauxhall Antara back in June and up to now I have had no issues with it at all. It runs really well and I am really happy with the price of the car. The dealers were very helpful and friendly and I would recommend them all the way.
— Mr M
This is the 2nd car I have bought from this garage. Yet again a very low mileage car in great condition, a pleasure to drive. no high pressure sales from this garage which is great!
— Irene W
From the time I first contacted the company until I drove off in my new Toyota two days later, the service was superb and would highly recommend them.
— Dennis C
Have been a customer of Automatic Cars for the last 10 years and it is great to deal with the same team. They have just sourced my recent car which is the 5th car I have purchased from them. It is always good to get great advice without the hard sale. Carry on the good work guys and thanks again.
— Colin G
Makes you feel comfortable looking around, No pressure at all. They are there to help and if needed will assist you to find the car you want. All the staff are very polite and professional. I'm glad I did business with them. I definitely recommend this company.
— John R
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