Used Car Finance
Get a decision on used car finance within minutes.
Apply for Finance
How Financing Works
When buying a new car, understanding car finance can be a mind-boggling experience if unfamiliar with the process. Although here at 1 Stop Car Sales we have a dedicated team of finance experts waiting to help you with your enquiry, we have also broken down the jargon in simple plain English.
Get a Quote
Use our calculator to get a finance quote on your new car. Choose an HP or PCP plan to suit you.
Apply Online
When you apply, we will require certain information from you like affordability and address history.
Get a Decision
After our panel of lenders assess your application, we’ll usually let you know within 24 hours if approved.
Your Offer
To confirm your offer, you should contact us within 48hrs to ensure you get your car.
Car Finance Explained
Finance is a popular way to purchase new and used cars in the UK. It makes affording a new car more manageable, as you can pay in instalments. Payments are usually spread across two to three years depending on the type of finance, deposit amount and monthly budget.
1 Stop offers HP (Hire purchase) and PCP (Personal Contract Purchase) plans. Find out how these work and which plan is right for you on this page.
We provide flexible car finance on a wide range of used cars. Use our calculator to spread the cost with monthly payments and find an arrangement that suits you.
What’s Special About Car Finance at 1 Stop Cars?
At 1 Stop Cars, we offer the following for our customers looking to purchase a used car with finance:
- 114-point inspection on every vehicle
- Reserve online for convenience
- Price match guarantee within a 40-mile radius
- Finance specialists with access to more providers than most dealers
- 0% deposit finance available
- HP and PCP finance options
- Nationwide home delivery
- Live video viewings available
- SAF-accredited retailer
Alongside this, we also offer warranties, paint protection, and a part exchange service, all designed to provide all the additional features you need to feel confident with your purchase and enjoy your car for years to come.
Want to spread the cost of buying your next car?
1 Stop Car Sales we have a dedicated sales team of SAF Accredited finance experts waiting to help you find the right car finance package for you.
What Car Finance Options Are Available?
Both Personal Contract Purchase (PCP) and Hire Purchase (HP) are available from our trusted panel of lenders with 0% deposit. Discover the differences between the two finance options below.
Hire Purchase (HP)
Hire Purchase (HP) is ideal if you want to own the car after your finance payments are complete. It is the simplest method of car finance. After putting down a deposit, the remaining balance, which includes the fixed interest rate, is divided equally over the duration of the loan.
With HP, you can:
- Put down a deposit
- Pay monthly payments over a set period
- Own your car at the end of the plan
Personal Contract Purchase (PCP)
Personal Contract Purchase (PCP) has a little more flexibility, since part of the cost is deferred until the end of the agreement. At the start of the contract, you will know what the deferred payment is, and this is based on your annual ‘guaranteed minimum future value’ (GMFV). Your payments are then based on your deposit, annual mileage, interest and the term.
With PCP, you can:
- Put down a deposit
- Pay monthly payments over a set period
- Have three options at the end of the term: buy it, part exchange it, or hand the car back.
Our Latest Offers on Finance
Explore the amazing car brands we have in stock, all available with 0% deposit finance.
Low mileage 
How Does Car Finance Work with 1 Stop Cars?
When buying a new car, understanding car finance can be daunting. At 1 Stop Car Sales, we have a dedicated team of finance experts ready to help you with your enquiry and help you understand the jargon in simpler terms.
Once you have chosen your car and selected ‘Click to Reserve’:
- Get a Quote: Use our calculator to get a finance quote on your new car. Choose an HP or PCP plan to suit you.
- Apply Online: When you apply, we will require certain information from you, such as your budget and address history.
- Get a Decision: After our panel of lenders assesses your application, we’ll usually let you know within 24 hours if approved.
- Your Offer: To confirm your offer, you should contact us within 48 hours to ensure you get your car.
We are a credit broker and not a lender. We can introduce you to a limited number of lenders and their finance products. We are not an independent financial advisor and we act as their agent for this introduction. We may advise you on the products, subject to your personal circumstances, though you are not obliged to take our advice or recommendation. We do not charge you a fee for our services. Whichever lender we introduce you to, we will typically receive commission from them (either a fixed fee or a fixed percentage of the amount you borrow).
For your reassurance, all of the lenders we work with could pay commission at different rates, but the commission we receive does not influence the interest rate you will pay. Our aim is to secure finance for you at the lowest interest rate you are eligible for from our panel of lenders. If you ask us what the amount of commission is, we will tell you in good time before the Finance agreement is executed. All finance applications are subject to status, terms and conditions apply, UK residents only, 18’s or over. Guarantees may be required.
What our customers say
We pride ourselves on excellent customer service and our reviews speak for themselves.
Exemplary service from start to finish
I had spoken to one of the team regarding a Peugeot I was looking into at the time. Within days I had test drove the car, had exemplary customer service from start to finish and managed to pick up the car within days after they had gone above and beyond to supply two new tyres and an MOT free of charge! Would absolutely recommend anyone to this dealership with the amount of effort and concern put in throughout the purchase of a car.
Joshua B
Joshua B
Friendly, no pressure service
Friendly, no pressure service. Car was well maintained and ready to view. Sales process was well organised, efficient and simple. Staff were professional and welcoming on both occasions.
Victoria S
Victoria S
Great experience of buying car!
Very professional, very helpful with explaining all the steps to a complete novice and sell cars that come really well maintained and ready to be proud of! I’ve had a lot of bad experiences with cars and buying before, so this was a refreshing change! Thanks 1Stop
Glenn Paul S
Glenn Paul S
1 Stop Cars Finance FAQs
Who is eligible for car finance?
Eligibility may require both a soft and hard credit check to review your money habits and determine whether you can afford the payments.
How can I calculate how much car finance will cost?
The quickest way to calculate how much car finance will cost is to fill out our online form. In most cases, you’ll receive a decision and a quote in minutes.
Can you have finance on more than one car?
Yes. You can have finance on more than one car. However, you will be subject to a credit check, which could include both a soft and hard check, to ensure you can comfortably handle multiple debts.
How long does it take to get a decision on finance?
In most cases, we can give you a decision within minutes. It may take longer if additional information is required from the lender. Subject to your status, some applications could take up to 24 hours to be approved.
Can you pay off car finance early?
Yes, you can pay off your car finance early. However, if you’re in negative equity (you owe more than what your car is worth), it’s best to wait until you owe less than the car is worth.
Will applying for car finance affect my credit score?
Applying for any loan that involves a credit background check will appear on your credit score, and could lower it slightly. The more loan applications you make, this could affect your score.
How do I apply for car finance?
Found the car you want? Click the ‘Buy Now’ button and follow the simple steps to complete your purchase. If you select the finance option to pay for your vehicle, fill out the online application form and submit it.
Once approved, you will need to pay a refundable deposit within 24 hours. Please note that you will need to speak to a member of our team to confirm the sale. Once confirmed, you will need to sign your finance documents before your car is delivered.
What information will I need to provide for a finance application?
We will do most of the work for you, but we will require your full name, address history, driver’s license, date of birth and employment status.
Apply for Finance
Apply for finance using the form below. A member of our team will be in touch soon.
How to find us
1 Stop Car Sales
83 Pinchbeck Road
Spalding
Lincolnshire
PE11 1QF
We pride ourselves on our exceptional customer service
We will work hard to make your buying experience as simple and pain-free as possible.
Price match Guarantee
If you can find a better price for a car locally (within 40 miles) with matching specifications, we will match the price.
Reserve cars online
You can secure a car for up to 3 days with a fully refundable £99 deposit.
Car finance specialists
With 12-60 month term options, our finance experts will help find the best deal for you.
All cars HPI checked
All our cars have been HPI cleared, so you can drive away in one of our used cars without any nasty surprises.
114 point inspection
All our cars are rigorously checked against a 114 point checklist so you can buy our used cars in confidence.
Extended Warranties
Get peace of mind by extending your warranty. Why take the risk of not being able to afford repair bills?
Part exchange your car
Remove hassle that comes with selling your car privately with our option to part-exchange your vehicle.
Drive away same day
Fallen in love with a used car? You can purchase it and dive home in your new car the same day!
