Car finance in Barnsley, made simple

In most cases, no. Our eligibility check uses a soft search, which does not leave a visible footprint on your credit file or affect your score. It gives you an indication of your likely options before you make a full application. A full application later involves a hard search by the lender.

With Hire Purchase you spread the full cost of the car, less any deposit, over the term, and you own it once all payments and the Option to Purchase fee are made. With PCP, monthly payments are typically lower because part of the value is deferred to an optional final payment. At the end you can pay that to keep the car, hand it back, or part exchange. We do not advise which is right for you, but we are happy to explain how each works.

Sometimes, yes. Lenders look at more than just your credit score. The safest place to start is a soft-search eligibility check, which shows your likely options without affecting your credit file. Our panel of UK lenders includes some who consider less-than-perfect credit.

Not always. Both deposit and no-deposit options may be available depending on the lender and your circumstances. A deposit can lower your monthly payments and the total interest you pay. Your eligibility check helps show what is realistic for you.

No. We are a credit broker, not a lender. We work with a panel of carefully selected UK motor-finance lenders and introduce you to one that suits your needs. We typically receive commission from the lender. We do not give advice or recommendations. Taking finance is your choice.

It depends on the price of the car, your deposit, the length of the agreement and the rate you are offered. See the representative example on this page for a typical illustration, then use the eligibility check to see figures based on your own circumstances.

Many eligibility results come back quickly, often within minutes, though it can vary by lender and circumstances. We will keep you updated and explain the next steps.

With HP, the car is yours once you have made all payments and paid the Option to Purchase fee. With PCP, you choose whether to pay the optional final payment to keep the car, return it, or part exchange for your next one.

We typically receive commission from the lender we introduce you to, either a fixed fee or a percentage of the amount borrowed, and this may or may not affect the total amount repayable. The lender discloses the amount before you enter any agreement, which only happens with your express consent.

Yes. The value of your current vehicle can go towards your next one, which reduces the amount you need to borrow. If your current car has finance outstanding, we can settle it with your lender as part of the deal.

You can check your eligibility online at any time, call the showroom on 01226 574410, or visit us at The Old Garage, Genn Lane, Worsbrough, Barnsley, S70 6TF. We are open Monday to Friday 9am to 6pm and Saturday 9am to 5pm.