Find a great deal on car finance in Ashton under Lyne

When it comes to buying a second-hand car, you may be looking for a competitive car finance deal that allows you to spread your payments over several months or years.

Whether you want to purchase a family-friendly Ford Focus or splash out on a luxury Mercedes-Benz, our low-interest car finance deals can turn your dream into reality. We may be a local business (we are based in Stockport), but we have access to a network of UK lenders. This means that we are confident that we can find the best car finance deals on the market.

If you’ve already found a car you want to buy, why not use our car finance calculator to see how much your monthly repayments could be? Not only can our calculator tell you exactly how much you can afford, but there is no impact on your credit score! So why not use our calculator to see how different deposits or finance terms could impact your monthly repayments.

Why should you consider car finance?

Buying a car is a big investment, whether you are purchasing a brand-new model or looking for a second-hand vehicle. Most people will not have access to thousands of pounds in cash to pay for a car, so car financing solutions are a necessity.

Our car finance loans combine affordable monthly repayments with low-interest repayments. We specialise in finding repayment options that allow you to drive away with the car of your dreams without compromising on your monthly budgets.

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 vehicle.

What is the difference between PCP and HP?

As you start searching for cheap car finance deals, you may come across the terms PCP and HP. But do you know what each one means and how they differ?

A PCP car finance loan is a personal contract purchase. Typically, you will take out a loan for a period of time – often between three and five years. During this time, you will make car finance payments to your finance provider. At the end of the agreed fixed-term contract, you can choose to return the car, pay the current resale value of the vehicle, or put that resale value towards purchasing a newer model.

An HP car finance loan is a hire purchase. You will likely pay a deposit for your chosen vehicle (often 10% of the car value) and make capital repayments over an agreed timeframe. Once you have made your final repayment, you will own the car outright.

How to know which one is right for you?

There are many pros and cons to each type of car finance deal. A benefit of working with a local car finance provider such as the in-house finance team at Dace Motor Group is that you can easily talk to somebody face-to-face.

We do not hide behind faceless call centres. As soon as you walk onto a Dace Motor Group forecourt, you are more than welcome to speak to a member of staff about car financing solutions. With four dealership locations across the Stockport area, we are easily accessible for people in Ashton-under-Lyne.

We’ll take the time to look at your personal finances. We’ll work out your outgoings and your income and explain how PCP car loans and HP car loans can compare. By having the chance to talk to us directly face-to-face, you can feel more confident that you understand the implications of signing up for a car financing agreement.

With our online car finance calculator, you can input your details to check your affordability quickly and easily, without impacting on your credit score.

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

Our customers come to us because we promise a straightforward and friendly approach to car finance deals.

Our experienced finance teams can be found at your nearest Dace Motor Group dealership. We can provide highly competitive car financing deals on any of Dace’s high quality used cars. We are unable to provide financing for cars sold by other used car dealerships.

Dace Motor Group has over thirty years’ experience finding suitable used cars for customers from Ashton-under-Lyne. All of our customers are treated as individuals, and we find the best car loans that allow you to drive away in the car of your dreams.

We promise no jargon, and we’ll explain exactly how car financing works and what could happen if you struggle to make your repayments. Whether you choose to talk to us on the phone or visit us in person, you will receive exactly the same care and attention (although we do offer a great cup of tea if you come to see us!). Then, once we’ve identified the most appropriate lender for your circumstances, we’ll process the application on your behalf.

Our finance teams have seen it all; whether you are looking to part exchange an existing vehicle, buy a used car for business purposes, or you’re worried that your poor credit history could count against you. Whatever your circumstances, we will work with you to find a solution.

Can you get car finance with poor credit?

Everyone’s financial circumstances are different. Just because you’ve had a poor credit rating in the past doesn’t mean that you cannot still take advantage of a competitive car loan.

If you want to check your affordability, why not use our online car finance calculator? It won’t leave a mark on your credit score, so you can feel comfortable checking it as often as you like.

We specialise in helping people in Aston-under-Line buy a car, even if they have bad credit. We work with various lenders across the UK, many of whom are experienced in helping people with bad credit to secure car finance loans.

If you are concerned about your credit rating, please contact us. We can discuss the various options available to you and find practical solutions to help you fund your ideal used car.

Do you need a guarantor for car finance?

You may need to have a guarantor for your car finance in some circumstances. This is someone who will agree to take responsibility for your car loan if you cannot make your repayments. If you cannot apply for a regular loan because of a bad credit history, applying for a guarantor car finance deal may be a good compromise.

If you need to find a guarantor for your car finance, we will work with you to identify the most appropriate person. Our team will explain exactly what it means to have a guarantor on your car loan and what the implications and responsibilities could be for the person. We take our responsibility seriously, and we will only proceed with an application once we feel sure that both you are your guarantor are fully aware of the terms and conditions of your car loan.

What interest rates are available for car finance deals?

Interest rates may differ depending on whether you are choosing a PCP car finance loan or an HP loan. Your personal credit rating may also impact the interest, as will the amount of money you are looking to borrow.

If you live in Aston-Under-Lyne, we recommend visiting a Dace Motor Group dealership to find your ideal used car. Once you’ve found the perfect second-hand vehicle for your needs, you can sit with a member of the in-house finance team to discuss what interest rates are available for used car financing.

We can sit with you and discuss your requirements from your preferred monthly repayments to your ideal contract length, allowing us to identify the best car loan for you. This individual approach will allow us to find the most competitive car loan interest rate for your personal circumstances.

If you would like to book an appointment with a member of our finance team please contact us.

Can you get a car finance deal for business purposes?

There are a lot of small businesses, freelancers, and sole traders in Ashton-under-Lyne. Whether you are a sole trader or a limited company, you may be eligible to put your car financing as a legitimate business expense.

There are a number of variables to consider, from mileage to emissions. We know how to source competitive car loans specifically for business purposes. We can work with you to identify what you can and cannot claim as a business expense, and we can handle any applications and paperwork on your behalf. We will even let you know what paperwork you need to hand to your accountant!

Finding the best car loan deals for residents of Ashton-under-Lyne

We are proud to be a local company. For generations, Dace Motor Group has helped residents of Ashton-under-Line, and Tameside benefit from low-cost yet high-quality used cars.
To find out how we can help you secure a competitive car loan or find out what support we offer to those with poor credit, please visit a member of our team at your local Dace Motor Group dealership location.