Spread the cost
Car finance
Flexible finance from 12.9% APR representative, arranged in-house over 12 to 60 months. Checking your eligibility takes two minutes and won't affect your credit score.
What will it cost?
Use the calculator to get a feel for the monthly figure on a typical car. Move the deposit slider and switch the term to see how the payments change — a bigger deposit or a shorter term means less interest overall.
Soft search first
We check eligibility without leaving a mark on your credit file.
A panel of lenders
We are a credit broker, so we shop your application around rather than being tied to one lender.
No fee to you
We are paid a commission by the lender, not by you. We will tell you the nature of that commission before you commit.
Finance estimate
Estimated monthly payment
£290/month
Over 48 months at 12.9% APR representative
- Amount of credit
- £10800
- Total amount payable
- £15082
Figures are an indicative estimate only and do not constitute a quotation. Actual rates depend on your circumstances and lender. Trent Valley Motors is a credit broker, not a lender.
Two ways to finance
Most of our customers choose HP for its simplicity, but PCP suits people who like to change car every few years. We'll talk you through both.
Hire Purchase (HP)
The most straightforward option. You pay a deposit, then fixed monthly payments. Once the final payment clears, the car is yours outright.
- Fixed monthly payments
- You own the car at the end
- No mileage limits
Personal Contract Purchase (PCP)
Lower monthly payments because part of the value is deferred to the end. At the end you can pay the balloon, hand the car back, or part exchange it.
- Lower monthly payments
- Three choices at the end
- Annual mileage limit applies
Check your eligibility
Send us a few details and we'll run a soft search with our panel. We'll come back with what you're likely to be approved for and what the monthly figure looks like — no obligation to go ahead.
Please note: finance is subject to status and affordability checks. You must be 18 or over and a UK resident. Failure to keep up repayments may result in the vehicle being repossessed.
Thanks — message received
We've got your enquiry and will get back to you shortly, usually within a couple of hours during opening hours. If it's urgent, please give us a ring.
Finance questions
Will checking my eligibility affect my credit score?
No. The initial eligibility check is a soft search which is only visible to you. A hard search is only carried out once you decide to go ahead with a full application, and we will always tell you before that happens.
I have had credit problems in the past. Can you still help?
Very possibly. We work with a panel of lenders including several who specialise in less-than-perfect credit histories. We can't promise anything, but it is always worth asking — a surprising number of people who assume they will be declined are not.
How big a deposit do I need?
Often none at all, though a deposit of around 10% usually gets you a better rate and lower monthly payments. Your part exchange can count as all or part of your deposit.
How quickly can it be arranged?
Most applications come back within a few minutes and the paperwork can usually be completed the same day. If everything lines up, plenty of customers apply and drive away on the same visit.
What is APR, exactly?
APR (Annual Percentage Rate) is the total yearly cost of borrowing including interest and any compulsory fees, which makes it the fairest way to compare deals. The rate you are offered depends on your circumstances; the representative APR is the rate at least 51% of accepted customers receive.