Finance

Finance at eCars

eCars is authorised and regulated by the Financial Conduct Authority (FCA) to arrange vehicle finance. If you are looking to finance or simply settle a current finance agreement we maybe be able to help.

You can Trust eCars

eCars take finance very seriously, we will never offer a finance agreement that will not suit the individual - it's just not our way of doing business. We are committed  to getting the right car and the right finance agreement for you, that way you will drive away happier and good chance we'll see you again.

We work with many lenders, you can be assured that your next vehicle purchase will be handled professionally and with personal care, making the whole experience smooth and stress free. If you would like to see what finance packages we can offer you, simply use our online application form and we can process your application within few hours.

We work closely with our established network of the UK’s largest automotive finance providers, a selection of which are listed below:

• Close Motor Finance
• Advantage Finance
• CarLoan4u
• Car Finance 247
• First Response Finance
• Zuto, plus many more

Authorised & Regulated by the FCA (Financial Conduct Authority)

The FCA ensure that firms stick to the rules and ensure that customers don't fall victims to scams or get tied to unfair contracts.

Good credit or Poor Credit?

Something's  don't always go to plan and we have lots of different finance options that may help you to decide which finance options suits you best. Finance will be tailored to your needs, you may have  an excellent credit rating or a poor rating, we will ensure you find the finance agreement that suits your needs and helps you to get back on track.  

What's Hire Purchase?

Hire purchase is a simple and traditional way to fund your new car. Simply, you pay fixed monthly amounts over a period of time you choose, usually say between 12, 24, 48 or 60 months, that's 1 to 5 years. Once you've made all the payments the car is yours, it's as simple as that. Benefits:

• Covers good or bad credit ratings.
• Finance secured against the car - not your home.
• Once you have payed the outstanding finance and you simply own the vehicle

What's a PCP? (Personal Contract Purchase)

PCP, or Personal Contract Purchase, is a very flexible finance option when choosing a new or used car

The value of the car at the end of the contract is estimated at the start of the agreement. This deferred sum is known as the Guaranteed Minimum Future Value (GMFV) and is based on a number of factors including how old the car will be at the end of the agreement and how many miles it is expected to have covered.  At the end of a PCP contract you do not own the car, the finance company still owns the car throughout the contract period or you buy the car buy paying the outstanding GMFV, give the car back or part exchange for another car. Benefits:

• Low Monthly Repayments.
• Change your car regularly.
• Choose the length of your loan