Used Car Finance

A better way to buy a car

Our car finance solutions are tailored around you

Spread the cost of your next car purchase with SW Car Supermarket finance

Financing a car can be confusing, but don’t worry as our sales team are trained finance advisers. We will be able to explain the process to you in simple terms and lay out all of the options available to you. In the mean time, please take a look below for some help on which car finance package suits you.

Unsure about your budget?

Then use our budget slider to see what cars are available via a monthly budget.

Ready to apply?

Use our quick finance form to send us your details and we will be in touch.

Hire Purchase

Do you want to own your car?

Hire Purchase allows you to spread the cost of your next car over a certain time frame and at the end of the term you own the car. You can even pay a deposit or part exchange your old car against the value of your new car to lower your monthly payments. Find out more below.

Find out more about our Hire Purchase Finance
  • Hire Purchase, how does it work?
    • Choose a vehicle

      Take a look at our showroom and choose the car you would like to purchase.

    • Choose a repayment term

      You can choose to spread the cost of your next car across 1-5 years. The longer the term the cheaper the monthly repayments will be.

    • Agree deposit and monthly payments

      Agree a deposit or part exchange towards your new car. This deposit will be deducted from the value of your new car and you can choose monthly payments to suit your budget.

    • Defer your first payment

      You have the option to defer the first payment and pay nothing for the first 2 months.

    • All paid, it’s yours to keep

      Once your agreement term has ended and all your payments have been collected, your car is then yours to keep.

  • Hire Purchase (with Balloon Payment), how does it work?
    • Choose a vehicle

      Take a look at our showroom and choose the car you would like to purchase.

    • Choose a repayment term

      You can choose to spread the cost of your next car across 1-5 years. The longer the term the cheaper the monthly repayments will be.

    • Agree deposit and monthly payments

      Agree a deposit or part exchange towards your new car. There will be an agreed settlement figure (Balloon Payment) against your car. You then agree monthly payments for the value of the car less the Balloon Payment, which will be due at the end of your term.

    • Defer your first payment

      You have the option to defer the first payment and pay nothing for the first 2 months.

    • Settle the Balloon and keep your car

      Once your agreement term has ended you have the option to settle the final Balloon Payment and the car is yours to keep. Alternatively, you can return the vehicle or part exchange it using any residual value within it.


Personal Contract Purchase

Do you want to keep your options open?

Personal Contract Purchase is great if you would like to keep your monthly payments low and don’t necessarily want to own the car at the end of your term. You will only finance the deprecation of the car for as long as you have it and after your term has elapsed you can hand the car back, part exchange it for another or pay the balance and keep it. Find out more below.

Find out more about our Personal Contract Purchase Finance
  • Personal Contract Purchase, how does it work?
    • Choose a vehicle

      Take a look at our showroom and choose the car you would like to purchase. The car must be be between 0-4 years old and have 70,000 miles or less on it.

    • Choose a repayment term

      You can choose to spread the cost of your next car across 1-4 years. The longer the term the cheaper the monthly repayments will be.

    • Vehicle value at end of term

      You will be given a guaranteed end of term value for your car, based on your annual mileage and the cars depreciation. This figure is then taken off of the value of the car and make monthly payments based on the remaining value. The end of term value is referred to as the Balloon Payment.

    • Defer your first payment

      You have the option to defer the first payment and pay nothing for the first 2 months.

    • Settle the Balloon and keep your car

      Once your agreement term has ended you have the option to settle the final Balloon Payment and the car is yours to keep. Alternatively, you can return the vehicle or part exchange it using any residual value within it.

Search using your budget

Take a look at our range of cars that suit your budget.

Use the below slider to choose your desired budget and take a look at the cars we have available for you to the right of this section, by selecting the See Range button.

Monthly Budget (£)

with your budget, you could get a

Volkswagen Scirocco

Or similar

Still unsure?

Watch our finance explainer videos

Car LPP FCA

Why Dealer Finance

Why Apply

"The finance deal was competitive and was arranged efficiently and pain free. All details were explained to me and I was able to drive away the same day. Highly recommended and professional service."


John & Kelly, Peterborough

Taxi Finance also available

We offer tailored finance specifically for taxi drivers, so whether you are an owner driver or proprietor we have you covered. We even offer fleet finance, so contact us today and see what we have to offer.

Apply for taxi finance

Poor credit rating? We can help.

If you suffer from poor credit rating and have had trouble getting car finance elsewhere, we consider the following:

IVAs
HP Arrears
Agency Workers
CCJs
Mortgage Arrears
Benefits
Self Employed
Bankruptcies
Defaults

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