Motor Finance
Drive it your way
Our dedicated finance experts arrange funding through both high-street and specialist lenders — so whether your credit history is spotless or has a few bumps, we'll find terms that work. Up to 5 years to pay, 0% deposit available, representative 9.9% APR.
Dedicated finance team
High-street & specialist lenders
Flexible terms up to 5 years
Soft-search friendly
Build your illustration
What could it cost?
Slide the numbers around and watch the representative example update live.
£20,000
£2,000
48 months
Representative example
£455.66/mo
- Amount financed
- £18,000
- Representative APR
- 9.9%
- Total cost of credit
- £3,872
- Total payable
- £23,872
Illustration only, based on a simple hire-purchase calculation at 9.9% APR representative. Your rate and payment depend on your circumstances and the lender's assessment — this is not a quote or an offer of finance.
Finance explained
Know your options
Three ways to pay, built from the figures you set above. Switch between them and watch where the money actually goes.
Why finance through a dealership?
We work with a panel of high-street and specialist lenders and do the legwork for you, matching your circumstances to the lender most likely to say yes at a competitive rate. Your agreement also comes with the extra consumer protections of Section 75, and the car and the paperwork are handled in one place.
Still unsure? Ask us on the phone — we'd rather explain it properly than sell you something you don't follow.
Own it at the end, with no surprises
Deposit
£2,000
48 monthly payments
£455.66/mo
With Hire Purchase you pay a deposit, then fixed monthly payments that clear the full balance over the term. Once the final payment (plus a small option-to-purchase fee) is made, the car is yours outright. It's the simplest route to ownership, with no mileage limits or final lump sum.
Ownership
Yours once the last payment clears
Mileage limit
None — drive it as much as you like
At the end
Pay a small option-to-purchase fee and keep it
Built from the illustration above — £20,000 over 48 months at 9.9% APR representative. Total payable on this option: £23,872. Bar heights are compressed so the monthly payments stay readable beside the lump sums. Illustration only, not a quote.
Check eligibility
See where you stand
Tell us a little about yourself and the team will come back with realistic options — no credit-file footprint at this stage.
What happens next
- 01We soft-search the panelHigh-street and specialist lenders, checked without a mark on your credit file.
- 02You get real optionsA call from the finance team with the lender most likely to say yes, at a competitive rate.
- 03We hold the carA fully refundable £250 deposit takes it off the floor while the paperwork clears.
South Wales Automotive Ltd is a credit broker, not a lender. We can introduce you to a limited number of lenders and may receive a commission for doing so. [FCA number placeholder — to be supplied.] Finance is subject to status; terms and conditions apply. Applicants must be 18 or over and UK residents.