available car finance for you.
Your Credit Score
Representative Example
Borrowing £6,999 over 5 years with a representative APR of 10.9%, an annual interest of 5.7% (fixed) with a deposit of £0.00, the amount repayable would be: first payment of £149.90, followed by 58 payments of £149.90 and a final payment of £150.90. Fees of £1 are included in the repayments shown. The total cost of credit is £1,996 and the total amount repayable is £8,995
General Terms and Conditions
Please note you will not own the vehicle outright until all payments are made. If you default on your finance payments, then the vehicle may be repossessed by the finance provider. You must be 18 years or older to apply for finance. Finance is not guaranteed, and any finance application is subject to a credit check and individual circumstances. If you require any further information, please do not hesitate to contact us.
The finance provider will have their own Terms and Conditions, please contact them directly for further information.
Step 1
ELIGIBILITY – SOFT SEARCH
Not sure if you will be accepted? Unsure what your interest rate or credit limit will be?
Click below to find out, with ZERO impact on your credit scrore.
Step 2
CHOOSE A CAR
Use your finance approval to choose from over 600 quality assured, used cars across The Dace Motor Group.
Ideal Finance and Dace Motor Group
Ideal Car Finance is part of Dace Motor Group. We use the relationships that Dace Motor Group has forged over the past 30 years with a panel of specialist direct lenders, to ensure that we gain the best available finance acceptance for each of our customers. Whether a customer is searching for the lowest car finance rates available, to compete with high street personal loans, or if they require the assistance of a specialist to provide them with a finance lifeline where others have previously turned them down. We are specialists in low and zero deposit deals, negative equity funding, PCP agreements (Personal Contract Purchase), HP (Hire Purchase) agreements and finance agreements. We act as an introducer to The Dace Motor Group. This means that any finance approval or acceptance we may gain for you, can only be used to finance a car that is for sale across The Dace Motor Group. With over 600 cars available, all prepared to a standard that has seen Dace Motor Group granted approval as a Trading Standards Approved partner for the past 10 years, we are certain that you will find the ideal car, once your ideal car finance has been approved.
Dace Motor Group have 4 Car Dealership sites across the northwest, based in Stockport and Manchester. Online purchasing is available throughout the year and home delivery is available upon request. Our experts are available within the Dace Dealerships as well as through Ideal Car Finance, so please do not hesitate to contact us if you have any individual requests or questions that we haven’t answered for you so far.
Trading Standards Approved
Over 25 Years in Business
Fully HPI Checked Cars
Nationwide Warranty
FINANCE FROM OUR TRUSTED PROVIDERS
Frequently Asked Question (FAQ)
I have bad credit, Can I get car finance?
You may be able to get car finance even if you have bad credit. At Ideal car finance we work with lenders who can help people with a lower credit score. Have you been refused credit recently? Then it may be worth looking at other options.
Sub-prime finance is not guaranteed and may cost more than finance provided by a prime lender. We will try to obtain finance for you but there is no guarantee. It may be from a sub-prime lender, and if so, the cost of finance may likely be at a higher rate than prime lenders offer.
How much do I need as a deposit?
You don’t need any deposit however it can be more beneficial to you as it will lower your monthly payments but its not a requirement to have a deposit.
My Current car, can I part exchange it?
Yes your current car can be part exchanged when purchasing a new car and we accept all part exchanges.
I have a IVA/ CCJ can I get finance?
If you do have a IVA or CCJ, it may be possible to get car finance however we can’t guarantee it. To find out if you can get car finance, simply use our application which has no impact on your credit score.
Sub-prime finance is not guaranteed and may cost more than finance provided by a prime lender. We will try to obtain finance for you but there is no guarantee. It may be from a sub-prime lender, and if so, the cost of finance may likely be at a higher rate than prime lenders offer.
Car Finance how do I apply for it and how long will it take?
Applying for finance doesn’t take long using our online finance application which has no effect on your credit score and once approved which could take a few days, you can then choose the ideal car for you.