We offer competitive car loans specifically for people in St Helens

St Helens may be best known for rugby, glass manufacturing, and a rich history. But did you know that the town is also full of savvy motorists who want to benefit from a competitive low-cost car loan to fund their next used car?

We believe that buying a second-hand car should be as simple as picking out your preferred make and model and driving away from the forecourt. But the reality is that buying a second-hand car can become a complicated process for many people as they navigate the complexities of car financing solutions.

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

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

Our financing is available on any used car purchased from Dace Motor Group. As a local business, we can work with you to establish the easiest solutions to purchasing a second-hand car. Thanks to our cheap car finance deals, you can spread your repayments over several months or years. You can choose how much you want to spend each month, and we can use our expertise to find affordable interest rates that reduce your overall repayments.

Make the most of our car loan finance calculator

You may be spending hours searching through a selection of used cars for sale online. But if you don’t know what you can afford to spend, you may find that you are looking at a selection of Ferrari motors while having a Fiat budget.

Our car finance calculator takes away the stress of searching for a new car.

Whether you’re searching for something specific or just looking at what options are available to you, our calculator will give you an accurate insight into how much you could borrow via a car loan. In addition, you can play around with the figures to see how different deposit amounts and different term lengths could impact your monthly repayments.

You may be surprised to realise that your dream luxury car is affordable simply by adjusting the car loan length.

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. As your nearest Dace Motor Group dealership is only a short drive away from St Helens, it’s a great place to start your car search.
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.

Is it worth taking out a car loan to buy a second-hand car?

The price of second-hand cars is currently reaching a peak. The global shortage of semi-conductor chips has created a shortfall in the number of new cars being manufactured, which has created a boom in interest in used cars.

This means that more than ever, drivers are relying on competitive car loans to enable them to buy a used vehicle. Unfortunately, there are very few cheap run-arounds available on the market. Instead, drivers can choose between a wide selection of makes and models with the latest technology and premium engineering.

While this is great, it also means that drivers in St Helens have to rely on car financing deals because they do not have the available cash upfront to pay for a used car. Even though the used cars for sale at Dace Motor Group are subject to daily price checks, and part-exchange options are available to lower the price significantly, it is still a considerable investment.

Our low-interest car finance deals are available to help St Helen’s motorists to get on the road as quickly as possible.

We provide affordable car loans that combine small monthly repayments with low-interest rates.

We work hard to make our car loans accessible, whether you want to buy a family-friendly Ford or splash out on your dream Mercedes-Benz.

For example, our HP car loans are available with as little as 10% for an upfront deposit. And with agreed repayment plans in place, you can feel confident that you know how much your second-hand car will cost over the months or years. As you talk to a member of our finance team, we will only ever recommend car financing solutions that match your budget.

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. 

We can help you decide whether HP or PCP car loans are right for you

If you’re unsure which type of car loan is right for you, it may be beneficial to talk to a member of our team face-to-face.

We are not a faceless call centre. Instead, we are a proud part of the Dace Motor Group team. In each of the four Manchester-based dealerships, our finance staff is available to answer any of your questions or to process your application.

One of the most common questions we are asked is, “what is the difference between PCP and HP car loans?” Of course, we don’t take it for granted that you know the difference. After all, if you’ve owned your current car for many years, you may not be acquainted with the intricacies of car financing deals.

A PCP car finance loan is a personal contract purchase. You will decide how long you want your loan to last. Generally, most PCP car loans last for between three and five years, but you can choose your preferred loan length when discussing your options with a member of our team. You will make monthly repayments during this timeframe based on your agreed amount. When your fixed-term contract ends, you can either return the car, pay the current resale value of the vehicle, or put that resale value towards purchasing a newer model.

HP car finance loans differ because they are a hire purchase. You will pay a deposit for your chosen vehicle (often as little as 10% of the car value) and make capital repayments over an agreed timeframe—the higher your initial deposit, the lower the loan amount you will need to repay. As a result, you will have repaid the vehicle’s value (plus the interest) and own the car outright at the end of your loan term.

Because our team is based at Dace Motor Group, our locations are easy for people in St Helens to drive over and speak to us in person. We treat all of our customers as individuals. We promise you will never get a ‘hard sell.’ Instead, you’ll get an honest chat packed with recommendations for which type of car loan is right for you. We can answer any questions you may have about PCP or HP car loans, and we can explain how your choice of the loan may impact your overall repayments.

Of course, if you’re not sure if you want to travel from St Helens to one of our dealerships, you can easily use our online car finance calculator to check your affordability. You can even call us to discuss your options over the phone.

Can you get a low-interest car loan?

If you are taking out a car financing loan, you need to know how the interest rate will impact your overall repayment amount.

These days, car loans are more affordable than ever before. The accessibility of car loans is why millions of drivers can regularly update their vehicles each year. But any loan will come with a pre-determined interest rate.

Our finance team works hard to find the cheapest car loans for drivers living in St Helens. We’ll work with our network of contacts to find a car loan with a low-interest rate to reduce your repayments as much as possible. We’ll also explain how your choice of HP or PCP loan, your credit rating, and even your deposit amount can impact what interest rates are available to you.

If you live in St Helens, 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!

When you are ready, we can discuss what interest rates are available for used car financing. If you would like to book an appointment with a member of our finance team, please contact us.

Can you get car finance with poor credit?

You may be worried about your ability to secure a car finance loan, especially if you have a poor credit history. But we understand that everyone’s financial circumstances are different. Our finance teams have years of experience, and we promise there are circumstances that we haven’t come across before.

If you are worried about whether you are eligible for a cheap car loan, then please use our online car finance calculator as a starting point. It may give you a benchmark indication of what is available and could put your mind at ease.

But we would always recommend visiting us in person to have a face-to-face discussion with our team.

We specialise in helping people in St Helens 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.

We can assess your personal finances and use our expertise to find a solution that allows you to drive away from the forecourt in your chosen used 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.

When it comes to a work car, we know that sometimes style is as important as the substance. You want to have a car that makes a great first impression. Dace Motor Group has a selection of used cars in stock that have the ‘wow’ factor and great commuting credentials for those driving around St Helens.

If you need a car for work – perhaps you’re a sole trader or working as a limited company, we can provide you with help and support to fund your used car. Our car loans are eligible for business use as well as personal use. In addition, we can provide you with the detailed paperwork to pass on to your accountancy team and explain how you can differentiate between business and personal mileage.

If you have any questions about taking out a car loan for business purposes, please see us. We’ll be happy to explain more and answer any questions you may have.

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

People in St Helen’s trust that we will always offer a straightforward and friendly approach to car finance deals.

Our experienced finance teams can be found at your nearest Dace Motor Group dealership. We are just a short drive away along the M62, and when you visit us, you can also look at the wide range of high-quality used cars available at Dace.

Our highly competitive car financing deals are only available on used cars purchased through Dace. Unfortunately, we cannot provide financing for cars sold by other used car dealerships.

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. First, we will look at the terms and conditions of the car loan and explain how your interest rate will impact the final payable amount due. Next, we’ll discuss your preferred loan length, deposit amount, and calculate how the repayments fit into your budget. Then, once we’ve identified the most appropriate lender for your circumstances, we’ll process the application on your behalf.

So, what are you waiting for? Why not visit one of our four Manchester used car dealerships to find out how we can arrange comprehensive car financing, especially for you?