We offer vehicle funding options from a small number of lenders, not whole of market, to help you purchase your next car. We have a sales process to ensure all our customers are treated the same and to try and offer a realistic quotation personal to each customer. Our rates start at 10.9% APR but the exact rate you will be offered will be based on your circumstances, subject to status. We may earn a commission for introducing you to one of our lenders but this does not influence the interest rate or product that you are offered.
We start our sales process with a few questions to establish if you may be eligible for one of the finance products offered by our finance partners. We then complete a soft search to obtain an idea of your credit score. Please see here for a copy of the questions and information needed to complete the soft search.
We will then generate a tailored quote for you. If you are happy with the quote and would like to make an application, we will help you complete the application form and carry out an affordability check sheet. See here for an example of the Application form.
As an organisation you can be confident that the fair treatment of customers is central to our business culture. We are committed to the following outcomes: You will be provided with clear and accurate information about our products and services and kept appropriately informed before, during and after the point of sale. Where you decide to arrange vehicle funding through us, we will ensure to provide you with clear information and any necessary support you may need to ensure you fully understand the terms of the product. All our sales team that advise you on finance option have passed a SAFS, the implications of this are available to view below.
What is SAF?
Specialist Automotive Finance (SAF) provides knowledge based motor finance learning to boost professionalism and increase consumer confidence in motor finance.
Find Out More
We have also ensured that the funders we use offer products they believe comply with the FCA Consumer Duty Fair Value. We are an Appointed Representative of Revilo Life Ltd who are authorised and regulated by the Financial Conduct Authority. Our permitted business is arranging vehicle finance under the consumer credit licence scope of permissions under the FCA 792586.
You can check this on the FCA's register by visiting the FCA's website: www.fca.org.uk/register/ or by contacting the FCA on 0845 606 1234. The FCA is the independent watchdog that regulates financial services. For full details of the services and the products we offer and company procedures, please see our Initial Disclosure Document (Key Facts About Us) HERE.
We are a credit broker, not a lender, and offer finance from a small number of lenders not the whole of market. We have a rigorous sales process to ensure that you fully understand the pros and cons of all the finance products available. We do not offer independent financial advice.
We are able to tailor all finance packages to suit your individual requirements whether that is a nil deposit, balloon payment, Guaranteed Future Values (GFV) or payment contributions.
We help cater for all types of customers business or personal and have available funding for prime and non-prime customers.
Whether you are a private individual or a business customer we believe in making life simple. Santander offer a comprehensive range of highly competitive products that have been designed to meet your precise financing needs, and with more than half a million satisfied customers they must be doing something right. If you've already found the vehicle you want and are now looking for finance, it's important to choose the type that's right for you. Santander Consumer Finance offers you a range of options which can be tailored to suit the way you want to pay. One Stop is here to help you make the right choice for finance and will be pleased to discuss the options with you. Once that decision is made, your we will apply to us for finance on your behalf, and we are usually able to make a quick decision.
Evolution Motor Finance has led the way when it comes to delivering one of the most innovative, comprehensive, and best-in-class vehicle funding propositions in the market. Evolution Motor Finance has become one of the largest point-of-sale motor finance intermediaries in the country and is, without a doubt, the fastest growing. Evolution specialise in providing finance products to customers looking to fund their new motor purchase via one of over 4000+ approved dealer partners and groups across the UK.
Evolution Funding who is a broker and can offer Hire Purchase and PCP.
First Response is the third lender they offer Hire Purchase.
Doubts about getting credit? Don’t worry, First Response Finance is a ‘sub-prime’ lender, meaning they specialise in helping people who have a history of poor credit. First Response Car Credit put customers at the heart of everything that they do; helping you, our customer, as much as they can before, during and after your agreement will make us stand out from the competition. Their unique way of thinking and doing business is one of the reasons they were voted Car Dealer Magazine’s “Sub-Prime Finance Provider of the Year” 2016, 2017, 2018, 2020 & 2021!
Their excellent customer service means they’re also rated as the UK’s favourite car finance company (lender) on Review Centre under the category ‘car loans’. They’ve also won the Feefo Gold Trusted Service Award two years running, and our now proud holders of a Feefo Platinum Trusted Service Award for 2nd Year!
Your in good hands with One Stop and First Response
The FCA work to protect consumers from the harm that can be caused by bad conduct in the financial services industry. They act to ensure that a firm has its customers at the heart of how it does business, giving them appropriate products and services, and putting their protection above profits or remuneration. To make sure consumers are protected and treated fairly, they monitor which firms and individuals are able to enter the financial markets, making sure that they meet their standards before they authorise them. They then supervise how they work and stop those that are not meeting their standards from carrying out the activities that they regulate. Where they find that firms are not following their rules, they intervene. This can mean stepping in to impose penalties, to stop them from trading or to secure redress, and ensure that consumers receive the information they need in the right way, so you can make the best decision for yourself.
Whilst using finance helps to assist you spread the costs of a large purchase there are risks if you do not keep up the repayments. Failure to keep up repayments or make them on time can affect your credit rating and your ability to obtain credit in the future. It can also lead to repossession of the asset. We are here to help you, so if you have any questions please take a look at our Affordability Check List here.
