Car finance
Hire Purchase and PCP arranged from a panel of UK lenders. Start with a soft-search eligibility check. It takes minutes and will not affect your credit score.
A quick eligibility check shows your likely options up front, so you can shop with a realistic budget and no nasty surprises.
See your likely options without affecting your credit score. No commitment and no obligation.
Own the car outright with Hire Purchase, or keep monthly payments lower with PCP.
One application, introduced to a lender from our panel to suit your circumstances.
We are a credit broker, not a lender. Commission is disclosed and the choice is always yours.
Both are popular and both have their place. We will not tell you which to pick, because that is your decision, but here is how they differ.
Spread the full cost of the car, less any deposit, across the term. Once you have made every payment and the Option to Purchase fee, the car is yours.
Part of the value of the car is deferred to an optional final payment, so monthly payments are typically lower. At the end you choose what happens next.
Step 1
A soft search shows your likely options in minutes, with no impact on your credit score.
Step 2
Browse our stock or bring one you have already found. Part exchange can lower the balance.
Step 3
We introduce you to a suitable lender from our UK panel, based on your circumstances.
Step 4
Once everything is agreed and signed, you are on the road. We handle the paperwork.
Open any vehicle to see payments worked out for your own deposit and term.
Plenty of people assume they will be declined and never ask. A soft-search eligibility check is often the safest first step. It shows your likely options without leaving a mark on your credit file. Lenders look at more than just your score, and our panel includes some who consider less-than-perfect credit.
A soft search is not visible to other lenders and will not affect your credit rating.
Understand your likely budget before you fall for a specific car, not after.
An authorised and regulated credit broker, FCA number 946186. You can check us on the FCA register.
Commission is disclosed before you commit, and there are no hidden costs in arranging your finance.
Trade in your current car to reduce the amount you need to borrow and simplify the switch.
Real people in Barnsley who explain the options in plain English, in person, by phone or online.
Rated 4.9 out of 5 on Google by our customers. Read our reviews
Prefer to talk? Call the showroom on 01226 574410.
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. Open any vehicle page to see finance figures for that car, 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.
Leave your details and one of the team will call you back during opening hours. We explain how each type of finance works. We do not give advice or recommendations, and there is no obligation.
Check your eligibility with a soft search that will not affect your credit score, then browse cars knowing your budget.
Anycolourcar Limited is a credit broker, not a lender. We are authorised and regulated by the Financial Conduct Authority (FRN 946186).
anycolourcar Limited is registered in England and Wales under company number 12573459. Registered office: The Old Garage, Genn Lane, Worsbrough, Barnsley, S70 6TF. anycolourcar Limited is authorised and regulated by the Financial Conduct Authority, under FCA number 946186.
We act as a credit broker, not a lender. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase. (Written quotation available upon request.) 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) and this may or may not affect the total amount repayable. The lender will disclose this information before you enter into an agreement, which only occurs with your express consent. The lenders we work with could pay commission at different rates and you will be notified of the amount we are paid before completion.
All finance is subject to status and income. Terms and conditions apply. Applicants must be 18 years or over. We are only able to offer finance products from these providers. As we are a credit broker and have a commercial relationship with the lender, the introduction we make is not impartial, but we will make introductions in line with your needs, subject to your circumstances. You will not receive advice or a recommendation from us in relation to finance. Taking finance is your choice. anycolourcar Limited is registered with the Information Commissioner's Office under registration number ZA863807. If you are struggling with payments, see our financial support page.
Service centre: Monday to Friday, 8am to 5pm.
anycolourcar Limited is registered in England and Wales under company number: 12573459. Genn Lane, Barnsley, S70 6TF. anycolourcar Limited is authorised and regulated by the Financial Conduct Authority, under FCA number: 946186. We act as a credit broker not a lender. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase. (Written Quotation available upon request). 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) and this may or may not affect the total amount repayable. The lender will disclose this information before you enter into an agreement which only occurs with your express consent. The lenders we work with could pay commission at different rates and you will be notified of the amount we are paid before completion. All finance is subject to status and income. Terms and conditions apply. Applicants must be 18 years or over. We are only able to offer finance products from these providers. As we are a credit broker and have a commercial relationship with the lender, the introduction we make is not impartial, but we will make introductions in line with your needs, subject to your circumstances. anycolourcar Limited are registered with the Information Commissioners Office under registration number: ZA863807
© 2026 anycolourcar.com. All rights reserved.
