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Finance

FLC have a dedicated team of finance experts waiting to help with your enquiry.

We have relationships with high street lenders and specialist motoring finance houses too, that is why we have helped hundreds of customers secure the best finance deal for their budget.

Our expertise with finance means that even if you have a poor credit rating we can help arrange finance for you.

2 Minute Application

Complete our simple to use online form below and once submitted, we will get back to you as soon as possible.

Car Finance at Falling Lane Cars

At Falling Lane Cars, we aim to make arranging finance for your next vehicle simple and straightforward. We work with a panel of carefully selected lenders who offer a range of flexible finance options designed to suit different budgets and circumstances.
Our lenders may consider a variety of income sources, including employment income, self-employment, pensions, and certain benefits such as Personal Independence Payment (PIP), subject to status and lender criteria.
Whether you have an excellent credit history, limited credit history, or have experienced credit difficulties in the past, our team will always do their best to help you explore the options available.
You can also calculate your potential monthly payments directly on each vehicle advert using the finance calculator available on our website.

Why choose finance through Falling Lane Cars?

Many customers choose to arrange finance directly through Falling Lane Cars as it can make the buying process quicker and more straightforward.
Benefits may include:
• Access to a panel of trusted UK lenders
• Flexible finance options to suit different budgets
• A simple and convenient online application process
• Support and guidance from our experienced team
• We liaise directly with lenders and handle the paperwork for you
Our finance panel allows us to compare a range of lenders in order to help find a finance option that suits your circumstances. Because we work with multiple lenders, we may be able to offer competitive finance packages that could be more cost-effective than arranging finance independently.

How the process works

Arranging finance through Falling Lane Cars is quick and straightforward.
  1. Choose your vehicle
    Browse our available vehicles and use the finance calculator shown on each advert to explore different deposit amounts, terms, and estimated monthly payments.
  2. Run a quote or soft credit search
    Once you have found a finance option that suits you, you can submit an application directly through the calculator. In many cases you will have the option to run a soft credit search, which does not affect your credit score.
  3. Application review
    Once your application has been submitted, our team will review the details and liaise with our panel of lenders.
  4. Matching you with a suitable lender
    If required, we will work to place your application with the lender most suited to your circumstances.
  5. Confirmation and next steps
    We will contact you with an update on your application and discuss the options available, helping you move forward with the purchase of your vehicle.

Finance options explained

Hire Purchase (HP)

Hire Purchase is one of the most common types of vehicle finance. After paying an initial deposit, the remaining balance of the vehicle is spread across fixed monthly payments over an agreed term.
Once all payments have been made, ownership of the vehicle transfers to you.

Personal Contract Purchase (PCP)

Personal Contract Purchase can offer lower monthly payments compared with some other finance options because part of the vehicle's value is deferred until the end of the agreement.
At the end of the agreement you will normally have three options:
• Pay the optional final payment and keep the vehicle
• Return the vehicle (subject to terms and conditions)
• Change into another vehicle

Using your own finance provider

You are welcome to arrange finance with a lender of your choice if you prefer.
However, please note that when purchasing a vehicle using finance arranged through a third-party lender not introduced by Falling Lane Cars, an administration fee of up to £499 may apply. This fee covers the additional time and administration involved when liaising with external finance providers and completing the necessary documentation.
The exact administration fee may vary depending on the external lender involved and the complexity of the transaction.
Finance arranged directly through Falling Lane Cars using our panel of lenders does not incur this administration fee, and many customers choose this option as it can often be quicker and more convenient.

Frequently Asked Questions

Can I get car finance with bad credit?
Some lenders may consider applications from customers with previous credit difficulties, depending on their individual circumstances and affordability. Completing our finance application will allow us to explore the options available to you.
Can I get car finance if I receive benefits?
Some lenders may consider applications where part of your income comes from benefits such as Personal Independence Payment (PIP), depending on your circumstances and overall affordability.
Will a finance application affect my credit score?
All of our lenders offer an initial soft credit search, which does not affect your credit score. If you choose to proceed with a full finance application, the lender will then carry out a full credit search which may affect your credit score.
How long does the finance application take?
The online finance application usually takes only a few minutes to complete. Once submitted, our team will review your details and contact you to discuss the options available.
Can I use my own finance provider?
Yes, you are welcome to arrange finance with a lender of your choice.
However, please note that when purchasing a vehicle using finance arranged through a third-party lender not introduced by Falling Lane Cars, an administration fee of up to £499 may apply. This fee covers the additional time and administration involved when liaising with external finance providers and completing the necessary documentation.
Finance arranged directly through Falling Lane Cars using our panel of lenders does not incur this administration fee, and in many cases our finance options may also offer competitive rates compared with arranging finance independently.

Apply for finance

Complete the online finance application and a member of our team will contact you to discuss the finance options available.
If you would prefer to speak with us directly, please call our team on 01895 444626 or WhatsApp 07387 474776 and we will be happy to assist.