Enabling people in Eccles to benefit from affordable car finance deals

Eccles may be a market town best known for its delicious cake. But its close proximity to Manchester and the M60 motorway means that it’s become a thriving commuter town for people working across the North West.

Over the last two years, many of our working habits and lifestyles have changed. Unfortunately, this may mean that you now have a car that no longer suits your needs.

If you’re looking to upgrade to a higher spec second-hand car, you may need to find a competitive car financing deal that makes it quick and easy to drive away from the dealership forecourt.

Too many people stick with expensive cars that no longer suit their lifestyles because they think changing a vehicle is costly or complicated. They are often surprised to learn that upgrading your car can save you money by reducing your servicing costs and offering better fuel efficiencies. You could even find that buying a used car could give you access to a more affordable car financing loan with lower interest rates.

We specialise in helping people in Eccles to fund second-hand vehicles.

We provide competitive and affordable car loans, helping you drive away as quickly as possible in your new wheels.

Make the most of our car loan finance calculator

We recommend making the most of our car loan finance calculator to see how much you could save on your monthly car outgoings.

Our car loan calculator will accurately identify how much you could afford to repay based on your incomings and outgoings. In addition, you can play around with the term length and deposit amount to see how much you could borrow and how this fits into your budget. You may be surprised to learn that buying a used car is far more affordable than you may have previously thought.

We promise that our calculator has zero impact on your credit score, so it’s a great way for you to assess your affordability before spending hours searching for a used car online.

Once you know a benchmark figure for how much money you can borrow, you can start searching the selection of used cars for sale on Dace Motor Group’s website. With a choice of petrol, diesel, and EV cars across various makes and models, we’re sure you’ll find what you are looking for.

Could an affordable car loan reduce your driving expenses?

When rising prices are impacting everything, from food prices to energy bills, it may seem counter-intuitive to consider buying a used car to add to your monthly outgoings. But expensive car loans are a thing of the past. Instead, changing your vehicle could save you money, especially if you can find a new car loan with a lower interest rate.

We are working with people in Eccles to help them find newer models that have lower servicing costs and better fuel efficiencies. Many car manufacturers now offer five-year warranties, which remain valid for used cars. So, if you are driving an old banger that is costing you money in parts, switching to something newer could be a financially prudent choice.

Our car financing solutions are only available on all vehicles purchased from Dace Motor Group. With part exchange options welcome and competitive pricing, we’re confident you could find a car that better meets your lifestyle.

Our car loans are accessible to people throughout Eccles, regardless of their credit history. We work with individuals to find the most suitable car financing options, whether you want to buy a family-friendly Ford or splash out on your dream Mercedes-Benz.

Please note that you will not own the vehicle until all payments are made. If you default on your finance payments, the finance provider may repossess the car. 

We can explain the difference between HP and PCP car loans

One of the reasons people from Eccles rely on us to provide them with low-cost car financing is that they trust our reputation and expertise. We do not hide away in a faceless call centre. Instead, we are a proud part of the Dace Motor Group team. Our Dace Used Car Supermarket is just a twenty-minute drive from Eccles, so you can quickly visit us in person to talk about your available options.

In just a short conversation, we can explain the differences between HP and PCP car loans and recommend what type of car loan is best for your personal circumstances.

We treat all of our customers as individuals. We don’t assume that you know the benefits of a PCP loan over an HP car financing agreement. And we are happy to answer any questions you may have about car loans.

If you are wondering, a PCP car finance loan is a personal contract purchase. You will decide the length of your car loan – most typically last between three and five years. During your loan agreement, you will make monthly repayments. At the end of the contract, you can either return the car, pay the current resale value of the vehicle, or put that resale value towards purchasing a newer model.

In contrast, an HP car finance loan is a hire purchase. You will pay a deposit for your chosen vehicle and make capital repayments over an agreed timeframe. You will have repaid the vehicle’s value (plus the interest) and own the car outright at the end of the term.

Can you get a low-interest car loan?

The accessibility of car loans means they are far more affordable than ever before. Before you sign anything, our experienced advisors will talk you through the current interest rates and how they could impact your overall repayments.

We specialise in low-interest car loans. We work with customers living to find the most affordable solutions for their needs. If you speak to us directly, we can sit and talk through your options. We regularly work with a wide range of lenders across the UK, and we are confident that our car loans offer competitive interest rates that limit the overall amount due to be repaid.

If you live in Eccles, you are only a short drive away from a Dace Motor Group dealership. So, why not visit one of our forecourts. Not only could you look at what used cars are available for sale, but you could even arrange a test drive at the same time!

Can you get car finance with poor credit?

We work hard to ensure that everyone has the same access to car financing. You may have a history of poor credit, but please don’t think it will automatically discount you from taking advantage of a low-cost car financing agreement.

If you have a history of bad credit, please speak to one of our finance teams in your nearest Dace dealership. We promise that we’ve heard it all before, and we will never judge you for previous financial activity. Instead, we’ll focus on practical solutions that will allow you to drive away in one of our used cars.

Our online car finance calculator could be a useful starting point if you are worried about whether you are eligible for a cheap car loan. It may give you a benchmark indication of what financing is available to you and could put your mind at ease. With no impact on your credit score, you can play around with the figures to see how you can adjust the loan length or loan amount.

We specialise in helping people in Eccles buy a car, even those with bad credit history. We have excellent relationships with many lenders who specialise in providing car finance loans to people with bad credit.

In some circumstances, we may recommend that you invite someone to act as a guarantor for your car loan. If this is the case, we will talk openly and honestly with you and your guarantor to confirm that you understand the responsibility and the implications if you cannot repay your loan.

Everything we do is about helping you get the best possible deal that allows you to buy a second-hand car.

Can you get a low interest car finance deal for business purposes?

As well as supporting those with a history of poor credit, we also provide extensive support to those looking to benefit from an affordable car financing loan for business purposes.

Many small businesses and independent traders are living and working in Eccles. If you are looking for a car that can be used for work and personal reasons, why not visit Dace Motor Group to see what options are available? You can find a second-hand vehicle that combines excellent driving performance and optimum fuel efficiencies with great style and a ‘wow’ factor.

Our car loans are suitable for business purposes. Our experienced team knows how you can pass the car through your business accounts and what paperwork your accountancy team will need. If you use a vehicle for dual purposes, we can even help you differentiate between business and personal mileage.

Please see us if you have any questions about taking out a car loan for business purposes.

Why choose us to help you find a suitable car loan?

People in Eccles have trusted us to provide them with high-quality yet affordable second-hand cars for over thirty years. They have also trusted us to provide them with straightforward car finance deals.

Our reputation is based on treating every customer with the same care and attention, whether you are looking to buy a Ferrari or a Fiat. We treat everyone as individuals, and you will never receive a “computer says no” approach from us.

To find out how we can support your car loan application, why not visit us in person at your nearest Dace Motor Group dealership? We are just a short drive away along the M60, and when you visit us, you can also look at the wide range of high-quality used cars available at Dace.

You can even book in for a test drive while you’re here.

So, what are you waiting for? Visit us to find out how we can help you benefit from an affordable car financing solution.