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.

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.

Get in Touch

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.

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

The service from start to finish at Automatic Cats Ltd was superb! Especially from Tom. He was kind helpful and answered all my questions in a very professional manner. I first spoke to them on the phone two days ago and today I drove away in my new car! The car was presented beautifully and ready for me to collect. The paperwork was very straightforward and no pushy sales tactics at all. Being a woman on your own buying a car can be a little intimidating but it was so enjoyable and I can’t recommend Automatic Cars Ltd highly enough. They have an amazing range of low mileage very reasonably priced cars and it the one I wanted was exactly as described. I had travelled a fair distance so I was very pleased by this. Thankyou Tom and Automatic Cars Ltd!
— Caroline O'Connell
Great Cars & Service🥇 We bought a VW T-Roc from Automatic Cars Ltd and the process was seamless. They source excellent, low mileage vehicles with Warranty & my wife is delighted with her new car. Tom offered us a deal we were happy with and prepped the car for delivery within a couple of days. Recommended
— Sean
Looked at a car on Friday and was able to pick it up on the Saturday thank to tom for pushing everything through. Best dealer i have ever got a car from
— John Igglesden
I was a little dubious about buying a non-BMW approved car. But I need not have worried. Tom took great care of us, went through everything carefully and sold us a fantastic X1 with very low mileage. When I got it home I noticed that the bag containing the BMW tyre repair kit was empty. Although I had ticked it on the check-list on the basis of the empty bag, Tom simply sent a new one in the post. Exemplary car trader! I will certainly be back when I need a replacement in 5 years or so.
— Adrian B
I’m getting on well with the MG, I've gotta take it back in to get a part replace, but they said they'll do that for free, which is nice. I was looking an SUV because the family is getting a little bit bigger. So saw that car, good price. good mileage, good year. I booked test drive, but they didn't seem prepared me to take the car that day. We were there for a few hours while getting things ready, but aside from that, it was flawless.
— James C
Buying a car from this family run business was a genuine pleasure; no hard sell - transparency and no ask was too big ; thank you Ray and Tom!
— Alex Williams
Fantastic service, don't worry about where you live, we travelled from Leeds to pick up a perfect Subaru Forester and was picked up at the station. For you Automatic car look no further. First class service highly recommended.
— Anonymous
Fantastic service, don't worry about where you live, we travelled from Leeds to pick up a perfect Subaru Forester and was picked up at the station. For you Automatic car look no further. First class service highly recommended.
— Anonymous
Very helpful salesperson, Tom, he gave me no pressure in buying and answered all my questions. Tom also delivered this car to my home address and taxed it too. This is the second car I’ve purchased from Automatic Cars Ltd. Great service from very experienced people. I would highly recommend.
— Anonymous
Very helpful salesperson, Tom, he gave me no pressure in buying and answered all my questions. Tom also delivered this car to my home address and taxed it too. This is the second car I’ve purchased from Automatic Cars Ltd. Great service from very experienced people. I would highly recommend.
— Anonymous
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