Car Finance Available at Swansway Motor Group

How does financing through a dealership work?

Financing through a dealer can not only be convenient but quick and easy too!

Our handy used car search allows you to browse through our wide selection of vehicles and choose how you would like to finance it there and then. With the useful payment slider and calculators you can customise your finance to best suit you and your budget.

What finance options are available to you?


Personal Contract Purchase is a finance product designed to help reduce your monthly payments and make buying a car suit your financial circumstances. Designed with an initial deposit, fixed monthly payments and a final balloon sum


Hire Purchase is a finance product that allows you to choose the car that you want and budget with confidence by giving you a fixed interest rate and fixed monthly payments. Designed with an initial deposit and monthly payments, the agreement can be settled at any time


Lease Purchase is a finance product designed to allow you to purchase more expensive or premium cars. A form of a conditional sale agreement, payments are similar to a lease/rental plan, but at the end of the agreement you will own the car


    Swansway Finance

    What Is Car Finance?

    Car finance is a way of purchasing or acquiring a car without having to pay the entire cost upfront. As it’s such a big purchase, it’s not always possible to buy the vehicle outright, which is where car finance options come in handy. There are a few different options for you to consider and, as such an important choice, it’s important you understand what they entail, before deciding which is going to be the best for your circumstances.

    Each type of car finance works in a slightly different way, so there is no way to explain how the whole thing works without looking at each option you have. So, if you want to figure out how car finance works, you’ve got to read through all the different options, understand how they are different, and then look at the pros and cons of each.

    Benefits of Financing through a dealer

    All of the hassle of paperwork is then left to the dealer and you don't have to worry about it. Better still, your finance agreement can actually be agreed on the same day you enquired, so there is no waiting around.

    With multiple finance options to choose from, you can take advantage of things such as fixed interest rate which you will receive if you take out a Hire Purchase. If you want to lower your monthly payment or shorten your agreement, lease purchase or personal contract plan may be better suited to you. It does this by deferring part of the repayment to the end of the agreement. This means that these finance products give you the opportunity to change your car more frequently, a great choice for someone who likes to try our many motors.

    Still searching?

    If you're still on the lookout for your next car, why not take a browse at our current used car stock, or new car offers?

    Our dealerships feature everything from sporty convertibles to family sized MPV's, so we're sure you'll spot something you love, based on your financial preferences. Tailor your search to match your budget and term, and you could be closer to getting your new car than you think!

    If we can help with anything at all, just let us know and our friendly staff will be happy to assist.

    After all, it's not just about finding a car, it's about finding the right car.

    The finance lenders we use

    We have carefully selected some finance lenders to partner with to provide you with car finance.

    Here are a few of the lenders we work with: Volkswagen Financial Services, Black Horse, ALD, Northridge, Startline Motor Finance, and Motonovo

    Finance Disclosure

    Finance is subject to status and acceptance, available to over 18's only

    The finance agreements provided through us are fully regulated by, and compliant with, the Financial Conduct Authority so you can have total peace of mind

    Contact us

    Once you find your perfect car, why not take the next steps and calculate your monthly payments? Let us know the amount of deposit you'd like to pay, along with your mileage and how length of term, and then we'll calculate your monthly payments. If your heart is set on a specific car, you can even apply for your finance online right away the same day! Simply submit your details to receive a prompt response.

    Let us know how we can help