Car finance in Milton Keynes

Upgrading your vehicle is an exciting opportunity to try something new, but it can also be a stressful time for you and your family – especially if you are fairly new to the world of car finance.

Your finance, your way

We realise here at Car Finance Genie that you might have quite specialised circumstances and needs when it comes to car finance. You might have a poor credit history, or you may not be able to afford a deposit on any car finance arrangement to which you commit.

Whatever your own situation might be, please don’t hesitate to get in touch with us today for your free quote. Below, we have explained the four steps to obtaining car finance through our brokers.

How do we work?

We use a simple four-step formula to help you get your hands on your new dream car in next to no time.

  1. Apply

Start by filling in a few simple details, and we will work with our panel of lenders to try and help find the most suitable and competitive car finance deal for your requirements.

  1. Get a Decision

It can be a quick process to get formally approved for a car finance deal with us – a matter of minutes, in fact.

  1. Choose a car

Regardless of what your desired vehicle might be, we could help you access the perfect model, ensuring there is no need to compromise on your ideal car.

  1. Drive away

Once you choose your favourite car, all that remains is to complete the paperwork, collect the keys, and drive away – it really is as simple as that!

The complete car finance solution

No matter what your dream car looks like, our experienced team of brokers will try to ensure you are matched with the perfect car finance for your requirements.

Frequently asked questions

Getting your head around car finance can be a little confusing – but we have all the answers that you need.

What is car finance?

In the simplest terms, car finance refers to an arrangement whereby you borrow money from a bank or lender to purchase a car. The amount you pay back over the course of the loan will depend on what type of finance you choose.

What are the main types of car finance?

The two main types of car finance are personal contract purchase (PCP) and hire purchase (HP).

Both options allow you to take out a loan to purchase a car, then pay off the full cost of the car over a set period of time with monthly payments. You will not own the car until all the payments have been made.

The main difference between these two types of finance is that you will be required to pay an additional “balloon” payment at the end of the PCP term if you wish to acquire the vehicle permanently, whereas this is not the case with HP. Once you have completed the main loan repayments on a HP deal, the car will automatically become yours.

What are the pros of car finance?

There are a number of advantages to car finance, and one of the main ones is the flexibility to choose from a wide range of cars at an affordable price.

Here at Car Finance Genie, we can help find the car finance deal that suits your pocket, as well as the car you wish to drive, so that you have access to the broadest possible range of options for your desires and needs.

What are the main considerations when taking out car finance?

Before signing anything, it is important that you consider a few key factors when deciding whether or not to take out car finance. You will need to consider your budget and how much you can afford, as well as your credit history.

Will I get a car even if I have a bad credit history?

Here at Car Finance Genie, we have a very proud track record of helping our customers secure the finance to acquire their dream car, even in situations where bad credit may be a concern.

While we can never make any promises or guarantees in terms of whether you will be approved for car finance, when you apply through us, we will do everything we can to help you access suitable car finance. Some of the lenders that we work with have a track record of helping even people with a poor credit history to obtain car finance.

What kind of car can I purchase?

At Car Finance Genie, we have access to a wide range of car dealers, and this means that we can offer a very generous selection of high-quality cars to suit your needs and preferences. Whether you need something large enough for the family or are in the mood for something a little faster and more eye-catching, our team will have the connections you need to drive away in your perfect car.

Why go anywhere else for car finance in Milton Keynes?

No matter where in the UK you are based, we are here to help. Our experienced team is on hand to work with your unique requirements and secure you the best possible deal for car finance in Milton Keynes.

As a SAF-approved broker, we are dedicated to try to help everyone access the best car finance deal. Why not apply today, and take the first step towards getting behind the wheel of your dream vehicle?