Car Finance Available at Swansway Motor Group

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.

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.

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


Sub Title

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.

Have poor credit?

When applying for car finance there can often be many credit checks run by the lender to see whether you qualify to take out the loan. Having a low credit score can often reduce the chances of being accepted for these loans however it doesn't mean that you won't be.

We are here to help in every way we can to make sure that you are informed about your options when trying to take out a car on finance and what to expect when you apply.

Are you thinking about changing your car?

Trading in a vehicle during the lease period is fairly common but it is important to know about the process and what is involved.

If you are looking to change your car but still have outstanding finance we have some tips and advice to help you through the process.

Want to get out of your agreement early?

There are many reasons why you may want to cancel you car finance early so we have come up with some tips and advice on how to undertake voluntary termination so that you can feel comfortable in making your next decision about car finance.

What to do if you are in negative equity with your finance

Being in negative car equity means that the amount owed to the financing company exceeds the current value of the car. We talk you through what you should do if you find yourself in this situation and what choices to make in order to solve this.


Is car finance available for people on benefits?

One of the best ways you can do to secure a car loan is to show proof of income, now if you are currently unemployed or seeking benefits then this isn't an option. We talk you through all of the ways in which you can prove to lenders that you can afford and will make payments for the car


Want to get car finance but are Self-Employed?

When you are self employed you can have no limit to the income you earn. With this being said it means that you need a bit of "know-how" to prove that you can pay off your loan. Read through our how to's and helpful information.


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.

COVID-19 Update

If you've been financially affected due to Coronavirus and you're worried about your payments, we're here to help. So that help can be given to those customers who are in the most vulnerable situations, we would like to ask you to only call VWFS if your query is urgent. Here are some FAQ's that will help answer some of the questions you may have:

Frequently Asked Questions regarding your finance during this time

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