Find your perfect car within your budget

Car Finance Options
- at Motorparks

Car Finance Options at Motorparks

Why choose Motorparks for car finance?

  • Finance packages for all car manufacturers
  • We offer a range of finance options to suit your needs
  • Competitive finance rates from leading providers
  • Instantly update your package options to suit you
  • Straight-forward car finance application process
  • Drive away the same day


If you are looking to buy a vehicle from a Motorparks dealership, you can take advantage of our many car finance options.

Whether you're looking for a stylish yet practical family MPV or a sleek and sporty saloon, we will provide competitive and hassle-free car finance tailored to your individual circumstances.

The Motorparks team will provide a car finance quote that is easy to understand and free from the usual jargon, so you can choose the best type of car finance for your needs.



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At Motorparks, our teams are committed to working with you to tailor a personalised finance package to suit your needs and your budget.

Our open and transparent finance offering puts your financial background in control of the finance terms that we are able to offer you, putting you in the driving seat.

By completing a 'soft search' against your credit profile, using as little as 5 pieces of information, we can understand quickly the most appropriate packages we can offer you -giving us more time to find the perfect used car for you and your budget.

Please note we do not carry out this procedure on the following brands: Aston Martin. Rolls Royce, Bentley and Lamborghini.

Here are some of the questions we’re frequently asked:

Once you’ve completed a soft search, am I committed to buying the car?
Not at all, the soft search gives us an indication of your credit profile. The search won’t be visible to any finance company as it doesn’t leave a ‘footprint’ on your profile.. we personalise the finance package to match your financial background.

What if I have had poor credit history, can I still buy a car on finance?
With a soft search, we can get an understanding of which Finance Companies are likely to offer you credit based on your background. This means the need to complete multiple credit searches is removed, minimising any damage to your credit profile.

What information will you need from me to obtain a soft search?
We need very little information. Generally speaking, we will need your name, date of birth, occupation details, your address and how long you’ve lived there. We can get the score in less than 60 seconds.

Can I have a Hire Purchase or Personal Contract Purchase agreement?
Absolutely! Our aim is to find the package that suits how you want to fund your vehicle on either of the agreement types. For an introduction to both finance products see click hire purchase or personal contract purchase.

Will the soft search tell me how much I will pay every month?
Our team will work with you to find your next car based on your needs, requirements and your budget. The best way to work this out is to use our used car online finance calculator on the detail page of every used car.

I already know what car I want, and how much my monthly budget is. Do I still need to complete a soft search?
Completing a soft search will allow us to create an accurate and personalised quote, helping you to make an informed decision on your next car.


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Which car finance option best suits your needs?

There are a number of options available to help you finance your car. One option, and perhaps the most popular, is Personal Contract Purchase (PCP). If you choose PCP car finance, your purchase plan is approved and supported by one of our accredited finance providers (of which there are a number to choose from in some circumstances). After the agreement is signed, it is your responsibility to fully meet the agreed monthly payments for the duration of the agreement. A figure of your car's value will be deferred until the end of the agreement – called the Guaranteed Future Value (GFMV) – which is the minimum value that we can guarantee your vehicle will be worth. At the end of your agreement, you will be presented with three options: part-exchange the vehicle for a new car, pay the optional final payment (the GFMV) and retain the car or return your car with no further payments (subject to terms and conditions as set out when you signed your agreement).

Personal Contract Hire (PCH) is a type of car finance that works in a similar way to PCP. The major difference is that your ownership of the vehicle would not be assumed at the end of the agreement period. Instead, at the end of the agreement, the car would be handed back. At this point, another vehicle could then be chosen under the same scheme (subject to status and credit checks).

Alternatively, you may opt to buy your car through Hire Purchase (HP). After the payment of an initial deposit, you then pay the remainder of the value of the car in monthly instalments over a period of between one and five years depending on the agreement and deposit value. In simple terms, you are hiring the car until you make your final payment, after which you will own it.

Finally, you may choose to pay with a Personal Loan. This is a common way for people to buy a car on finance. Personal loans can be taken from almost all banks and building societies or finance companies. The terms and duration of the payment of the loan can vary depending on what you agree beforehand with the loan company – pay attention to the small print! Loans from banks for cars can be paid off over a number of years, and will almost certainly have a fixed rate of interest.

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Can't get car finance? Car Finance Rescue can help.

Car Finance Rescue is a completely free-of-charge service that provides support for those looking to get cheap car loans which suit their financial circumstances. Find out more.



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