Rates from as low as 8.9%
We arrange company car finance for limited companies looking to fund new or used cars for directors and employees without paying the full purchase price upfront. We help you spread the cost through agreed monthly repayments, keeping more money available for wages, equipment and other business expenses.
As an FCA-authorised credit broker, we work with a panel of lenders to find suitable funding options. Our business car finance service combines vehicle sourcing with finance support, giving you one point of contact to find the car, compare agreements and manage your application.
We help you give your team a car suited to the job, with repayments that fit your business budget. We start with the driver’s needs: the journeys they make, the mileage they cover and the space and equipment they need. This helps us narrow the choice to vehicles that will earn their place in your business.
We help you look beyond the showroom price to find a vehicle you can budget for throughout its use. Allow for insurance, tyres, servicing and fuel or charging alongside the finance instalment.
We can arrange Business Hire Purchase if you want to build towards owning the car. This spreads the financed amount across regular repayments. The car belongs to your company after every payment and any option-to-purchase fee have been paid, allowing you to keep using it beyond the finance term.
We often discuss HP with businesses whose employees cover high or unpredictable mileage. Standard agreements usually have no mileage restrictions, giving drivers room to cover changing routes without excess mileage charges. High mileage will still affect maintenance costs and the car’s eventual resale value.
If you regularly review the cars supplied to employees, we can arrange Business PCP with the choice to keep or return the vehicle at the end. Part of its value is left as an optional final payment, usually reducing monthly instalments compared with an equivalent HP agreement. Interest is charged on the amount borrowed, including the deferred balance.
We explain each end-of-term option before you commit. Paying the final amount transfers ownership to your business. Returning the car means meeting the agreed mileage and condition requirements. Replacing it with another vehicle requires the existing finance to be settled and any new agreement to be approved.
We can arrange Lease Purchase for businesses that want to reduce regular instalments by leaving a balloon payment until the end. We make the final-payment commitment clear from the outset: this payment is compulsory.
We recommend planning how your company will pay that balance before entering the agreement. Refinancing requires separate approval and should not be assumed. There is no contractual option to hand the car back instead of paying the balloon, and ownership transfers once all required payments and fees have been settled.
We recommend recording who is responsible for routine checks, servicing appointments, reporting damage and keeping mileage records. A clear company car policy helps employees understand how the vehicle can be used and what to do if their role changes.
We also encourage you to plan for changes in your team. Where the agreement is in your company’s name, your business remains responsible for repayments if the employee leaves. Reassigning the car must fit the lender’s terms and insurance cover. If you want to replace it early, we can help you understand the settlement process before you decide.
Apply Now
We ask how the car will be used because private journeys can affect the overall cost to your business and the driver. Making a company car available for private use can create a taxable benefit for the employee or director, with reporting and National Insurance obligations for the employer. Commuting between home and a permanent workplace normally counts as private use.
We recommend discussing company car finance with your accountant before choosing the vehicle. Its fuel type, emissions, list price and availability for personal use can affect its tax treatment. We provide the finance details for that conversation, while your accountant can explain the tax and VAT position for your business.
We bring vehicle sourcing and finance together, saving you the work of managing separate conversations. Tell us the model, specification and budget you have in mind, and we can help find the car while approaching our lender panel for suitable funding options.
We explain each company car finance quote in practical terms, covering:
You can weigh the available options against your plans before making a decision.
We help with your application and keep you informed through to collection or delivery. Lender checks may include accounts, bank statements and director information, with a personal guarantee requested in some cases. All finance is subject to status and lender criteria.
Let us help you replace an ageing vehicle or equip your next employee with a car that suits their role. We’ll help find the vehicle and compare the finance options around your budget.
Request a call back, complete the form, or speak to our team on 0161 968 3449.
We can help you discuss the available options with the lender. If the agreement is in your company’s name, your business remains responsible for it. You may be able to reassign the car if the lender’s terms and insurance allow. Ending the agreement early may require a settlement payment.
We can discuss arrangements for a car used by several employees, provided the agreement and insurance permit those drivers. Sharing a vehicle does not automatically make it an exempt pool car for tax purposes. Your accountant can check whether it meets HMRC’s conditions.
No. We arrange finance for new and used cars, subject to the lender’s limits on age, mileage and value. We can help you compare suitable vehicles, with servicing requirements, warranty cover and expected mileage forming part of your decision.
Yes. We can arrange finance for eligible electric cars, subject to lender approval. We discuss the driver’s regular journeys and charging arrangements when helping you choose a vehicle. Your accountant can explain the benefit-in-kind position and other tax implications.
We include commuting when discussing the mileage your agreement needs to cover. For company car tax, journeys between home and a permanent workplace normally count as private use. Different rules can apply to temporary workplaces, so check the position with your accountant.
