Dealers2018-07-03T10:59:01+00:00

WORKING WITH US

“Great to deal with, fantastic support have and would still recommend to anyone” – Gareth Fogarty

“Very happy with the service, would highly recommend and will be using them again” – Steve Eardley

“Very easy to deal with. I knew how much I could afford and how much I could borrow before I decided on my vehicle” – K Watson

All Reviews

Getting set up

All we need to get started is your details to add to our system. We only need very basic details and the only requirements we have are that you have an FCA license. Fill out the setup form below and you can start using our services straight away. In order for us to pay you a commission, we will require an official proof of bank details. You can either supply with this upfront, or when the deal is done.

Once we have received your application and put it through the system, we will call you to confirm everything is set up and also answer any questions you may have. We will also provide you with a unique application form link, this will enable you to proper directly into our system and we will know exactly who the application has come from.

Propping applications

As a dealership, we are happy for you to prop to us however you want, whichever way is quickest and easiest for you.

  1. You can call us on 01625 324 444 and we will take the details from you or the customer.
  2. You can fax us on 01625 324 443.
  3. You can email us at [email protected]
  4. Fill in our proposal form online which we will provide you with at setup. This will prioritise your application straight in our system.
  5. Or if you use a showroom management system we can look at hooking you up to our system via an API.

Our process

Once you have popped an application over to us we will start work on it straight away. We appreciate the customer could still be onsite, so will aim to give you a call back within 10 minutes of propping. This will hopefully be with an acceptance, a decline or needing further information if requested by one of the lenders. In some extreme cases, the lenders can refer applications, however, we will still call you to let you know. The reason our process works so well is due to communication.

If a customer is accepted we are happy to do all the talking for you to give you the time to carry on selling cars to other customers. All our calls are recorded for training and monitoring and we follow a very strict compliance structure to make sure your customers are getting the best and correct treatment.

Once the customer is happy, we would prefer if we could send the paperwork direct to the dealership to ensure its returned promptly, however, if not we are happy to sort the paperwork with the customer outside the dealership.

Once the deal is paid out, we will look at paying your commission on the same day the funds are sent. There will be no clawback terms in regards to commissions paid.

Frequently asked questions

How fast can I get a decision?2018-07-03T10:22:19+00:00

We hope to deliver 90% of decisions instantly once the application hits our system. However, depending on how you propose the application, it can take up to 15 / 30 mins.

When will I be updated?2018-07-03T10:22:19+00:00

You will be updated every step of the way via email or call. The choice is yours.

Will you deal with the customer for me?2018-07-03T10:22:19+00:00

We are more than happy to take ALL the work from you and deal with the customers. Get proofs, wageslips, bank stats etc.

When will I receive my commission?2018-07-03T10:22:19+00:00

You will receive your commission the day / day after the deal pays out.

Do I need to sign any contracts?2018-07-03T10:22:19+00:00

No, we do not need any contracts signing. Providing you are FCA approved and meet our standard minimum terms we are good to go.

Do you only take declines from Motonovo, Blackhorse, Close etc?2018-07-03T10:43:03+00:00

We are happy to take any applications from yourself. We have prime lenders on board with different products that could help your customer. We only specialise in the midprime to subprime area, as we believe this is the business that is the most time consuming for dealerships.

What customer information do you need from me?2018-07-03T10:34:43+00:00

Again, this is up to you. If you have a full application, it helps the customer not repeat information. If you prefer to just give us a phone number and a customer name, we are happy to call the customer and take all their details.

How can I prop to you?2018-07-03T10:34:43+00:00

We can take applications via email, fax, phone or via our application form or if you have a finance system and wish to connect to our API, we are happy for you to do this.

Do you claw back commission?2018-07-03T10:34:43+00:00

No we dont. Once a deal is done, the deal is done.

How long until I get the money for the car?2018-07-03T10:34:43+00:00

Once we have all the documents from the customer and the paperwork from yourself, at the very most you are looking at the next working day. We wont be unrealistic and say you will have funds within an hour, as it depends on how busy the lenders are.

Ask us a question

Monday to Friday (9am to 6pm)
Saturday (10am to 4pm)
Email: [email protected]
Telephone: 01625 324 444
Fax: 01625 324 443

Company Details

Car Finance

9B High Street, Congleton,

Cheshire, CW12 4HZ

E – [email protected]

T – 01625 324 444

The Car Financer is a trading name of The Vehicle Financer Limited. The Vehicle Financer Limited is an appointed representative of Product Partnerships Limited which is authorised and regulated by the Financial Conduct Authority. Product Partnerships Limited FCA registration number is 626349 and its address is Salts Piazza Offices, Salts Mill, Victoria Road, Saltaire, BD18 3LA. Product Partnerships Limited’s permitted business is to act as a Principal for a network of Appointed Representatives who arrange regulated credit facilities for customers who are purchasing goods from them.

The Vehicle Financer Limited act as a credit broker not a lender. We can introduce you to a limited number of lenders who may be able to offer you finance facilities for your purchase. We will only introduce you to these lenders. We may receive a commission payment from the finance provider if you decide to enter into an agreement with them. You may be able to obtain finance for your purchase from other lenders and you are encouraged to seek alternative quotations. If you would like to know how we handle complaints, please ask for a copy of our complaints handling process. You can also find information about referring a complaint to the Financial Ombudsman Service (FOS) at financial-ombudsman.org.uk

All finance is subject to status and income. Written quotations are available on request. We do not charge a fee for arranging the finance, however some of our lenders may charge a fee. Your advisor can provide more information on this. Our advisors are all SAF (Specialist Automotive Finance) approved. The Vehicle Financer is a limited company registered in England and Wales. Registered number: 9970074. Registered office: The Vehicle Financer, 9B High Street, Congleton, CW12 1BNICO registration number – ZA171810.

FINANCE SPECIALISTS

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From 9.9% APR*

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Representative example

Borrowing £5,000 over 4 years with a representative APR of 29.7% and a deposit of £0.00, the amount payable would be £169.40 per month, with a total cost of credit of £3,131.25 and a total amount payable of £8,131.25.

The Car Financer is a credit broker, not a lender. The rate you are offered will depend on your individual circumstances. We compare products from the UKs leading car finance companies.

“Great to deal with, fantastic support have and would still recommend to anyone” – Gareth Fogarty

“Very happy with the service, would highly recommend and will be using them again” – Steve Eardley

“Very easy to deal with. I knew how much I could afford and how much I could borrow before I decided on my vehicle” – K Watson

All Reviews

Frequently asked questions

Do I pay a fee to you?2018-04-11T14:55:11+00:00

We don’t charge any fees. The Car Financer may receive a commission from the lender we arrange the finance with for you.

How old do I need to be to qualify for finance?2018-04-11T14:54:17+00:00

You must be at least 18 years of age for us to arrange finance on your behalf with most lenders. Some lenders have a minimum age of 21.

I have bad credit, can you help?2018-04-11T14:46:26+00:00

Yes, we help many people with bad credit profiles, we have certain lenders that specialise in this sort of finance.

Do I need a deposit?2018-04-11T14:46:00+00:00

In most cases no, however it depends on the product you take out and also on the car.

What if I have an issue after I have collected?2018-04-11T14:46:38+00:00

We will be in contact with you through-out the whole buying process and even after you have collected your car. However, if you are having any issues at all with your new purchase, we recommend you call us straight away and we can advise you what to do.

How do I apply2018-04-11T14:44:06+00:00

You can apply for finance here using our quick online application form, or you can call us on 01625 324444 and we can answer any questions you may have.

How long will it take to get the finance in place?2018-04-11T15:00:46+00:00

We aim to get you a decision as quick as possible after you have submitted your application. One of our specialists will contact you and talk you through the process in detail before you agree to commit. In certain cases, we can sort the finance within as little as a few hours. The turnaround from applying to collecting the finance will normally depend on how quickly you can return your signed agreement and proofs to us. The average turnaround time is between 2-4 days from start to finish. Once your application has been submitted, processed and approved, all that’s left to do is find a suitable car.

Do you do credit checks?2018-04-11T14:59:58+00:00

Majority of our lenders now use a soft search. This means there is no permanent footprint or effect on your credit score. There are still a few lenders that do a hard search, which does leave a footprint.

What documents do I need to supply?2018-04-11T14:58:14+00:00

All lenders will ask you to produce some documentation. This will vary slightly depending on the requirements of the lender. Typically, you will be asked for a copy of your licence and sometimes proof of income or address. This will all be explained in full detail so there’s no need to worry. We understand people lose and misplace licences and payslips so there are other alternatives.

Can you guarantee car finance?2018-04-11T14:57:18+00:00

No. There is no company that can guarantee that you will be accepted for finance. Every lender has their own criteria and will take into consideration your individual circumstances. We work with a range of lenders, who deal with all circumstances. So even though we can’t guarantee finance, we will try our best.

Where can I buy my car from?2018-04-11T14:56:44+00:00

You can buy your new car from any UK dealership as long as they hold a valid finance licence. We can also do private sales using a personal loan product we have.

What are your rates?2018-04-11T14:55:50+00:00

All rates are dependent on the lender selected for your finance and the rates are determined on a number of things including the level or risk and your credit score along with income and outgoings.

Ask us a question

Monday to Friday (9am to 6pm)
Saturday (10am to 4pm)
Email: [email protected]
Telephone: 01625 324 444

Company Details

Car Finance

9B High Street, Congleton, Cheshire, CW12 4HZ

E – [email protected]

T – 01625 324 444

The Car Financer is a trading name of The Vehicle Financer Limited. The Vehicle Financer Limited is an appointed representative of Product Partnerships Limited which is authorised and regulated by the Financial Conduct Authority. Product Partnerships Limited FCA registration number is 626349 and its address is Salts Piazza Offices, Salts Mill, Victoria Road, Saltaire, BD18 3LA. Product Partnerships Limited’s permitted business is to act as a Principal for a network of Appointed Representatives who arrange regulated credit facilities for customers who are purchasing goods from them.

The Vehicle Financer Limited act as a credit broker not a lender. We can introduce you to a limited number of lenders who may be able to offer you finance facilities for your purchase. We will only introduce you to these lenders. We may receive a commission payment from the finance provider if you decide to enter into an agreement with them. You may be able to obtain finance for your purchase from other lenders and you are encouraged to seek alternative quotations. If you would like to know how we handle complaints, please ask for a copy of our complaints handling process. You can also find information about referring a complaint to the Financial Ombudsman Service (FOS) at financial-ombudsman.org.uk

All finance is subject to status and income. Written quotations are available on request. We do not charge a fee for arranging the finance, however some of our lenders may charge a fee. Your advisor can provide more information on this. Our advisors are all SAF (Specialist Automotive Finance) approved. The Vehicle Financer is a limited company registered in England and Wales. Registered number: 9970074. Registered office: The Vehicle Financer, 9B High Street, Congleton, CW12 1BNICO registration number – ZA171810.

CAR
FINANCE SPECIALISTS

Apply Now
CALCULATE PAYMENTS

Representative example

Borrowing £5,000 over 4 years with a representative APR of 29.7% and a deposit of £0.00, the amount payable would be £169.40 per month, with a total cost of credit of £3,131.25 and a total amount payable of £8,131.25.

The Car Financer is a credit broker, not a lender. The rate you are offered will depend on your individual circumstances. We compare products from the UKs leading car finance companies.

“Great to deal with, fantastic support have and would still recommend to anyone” – Gareth Fogarty

“Very happy with the service, would highly recommend and will be using them again” – Steve Eardley

“Very easy to deal with. I knew how much I could afford and how much I could borrow before I decided on my vehicle” – K Watson

All Reviews

Company Details

Car Finance

9B High Street, Congleton, Cheshire, CW12 4HZ

E – [email protected]

T – 01625 324 444

The Car Financer is a trading name of The Vehicle Financer Limited. The Vehicle Financer Limited is an appointed representative of Product Partnerships Limited which is authorised and regulated by the Financial Conduct Authority. Product Partnerships Limited FCA registration number is 626349 and its address is Salts Piazza Offices, Salts Mill, Victoria Road, Saltaire, BD18 3LA. Product Partnerships Limited’s permitted business is to act as a Principal for a network of Appointed Representatives who arrange regulated credit facilities for customers who are purchasing goods from them.

The Vehicle Financer Limited act as a credit broker not a lender. We can introduce you to a limited number of lenders who may be able to offer you finance facilities for your purchase. We will only introduce you to these lenders. We may receive a commission payment from the finance provider if you decide to enter into an agreement with them. You may be able to obtain finance for your purchase from other lenders and you are encouraged to seek alternative quotations. If you would like to know how we handle complaints, please ask for a copy of our complaints handling process. You can also find information about referring a complaint to the Financial Ombudsman Service (FOS) at financial-ombudsman.org.uk

All finance is subject to status and income. Written quotations are available on request. We do not charge a fee for arranging the finance, however some of our lenders may charge a fee. Your advisor can provide more information on this. Our advisors are all SAF (Specialist Automotive Finance) approved. The Vehicle Financer is a limited company registered in England and Wales. Registered number: 9970074. Registered office: The Vehicle Financer, 9B High Street, Congleton, CW12 1BNICO registration number – ZA171810.