Car Finance in Manchester

Why wait to enjoy your dream car? At cartime we offer a range of used car finance options to enable you to get the keys to your new vehicle right away while repaying the cost over several years. An easy solution to your cash flow problems, if you're looking for used car finance in Manchester, you've arrived at your destination.

Offering quality used cars in Manchester and across the UK, we are a trusted car sales company with over 1000 vehicles on offer from brands like Mercedes-Benz, BMW and Toyota across our showrooms in Bury, Rochdale and Burnley (link to location page once live). For our affordable finance options, including HP, PCP and 0% interest, explore below.

0% APR Finance Options

We recognise that not every single one of our customers will be able to pay for a vehicle in one large lump sum, that's why we offer an exemplary 0% APR finance deal. Available to use alongside the purchase of our very best brands, including Audi, Jaguar and even Ferrari, our 0-interest deal means you can own your dream car while paying off the payment with monthly instalments.

Using 0% APR finance certainly has its benefits too, with the most obvious being the lower borrowing cost than the average car loan, with no interest being added to the cost of your overall finance package. But that's not all, with a no-interest finance loan you can enjoy:

• Regular, monthly payments that don't fluctuate.
• Complete visibility on the total repayment cost.
• A selection of the latest, cutting-edge car models.

What is Hire Purchase (HP)?

With several finance options available, not just 0% APR, Hire Purchase is also offered on all of our used cars. After choosing hire purchase (or HP), you put down a deposit on the vehicle before you begin re-paying the total cost through monthly payments. Through this method, you don't own the vehicle until the final payment of your plan has been made.

HP comes with a selection of benefits that differ slightly from the offerings of 0% finance. These benefits include a fixed interest rate, with monthly payments keeping stable throughout the repayment plan, as well as flexible terms of repayment, with options of 1-5 years being available. HP is often compared to a Personal Contract Purchase, with the latter bringing its own list of positives.

What is a Personal Contract Purchase (PCP)?

It is the flexibility of PCP finance plans that makes them so popular among customers. These plans work much like a normal loan, with an initial deposit followed by monthly payment instalments. The difference is that usually, these monthly repayments are far smaller, with a large ""balloon payment' at the end of the plan taking into account most of the total charge.

Sometimes, however, you won't have to pay this ""balloon payment' at all. This is because, at the end of a PCP finance deal, you have two options:

• Make the final payment and take ownership of the vehicle
• Trade the car in and start a new PCP deal on another car.

It is this flexibility regarding PCP deals that makes it right for so many customers, with some choosing to simply lease the vehicle while others opt to buy it at the end of the repayment period.

Can You Apply for Car Finance with a Bad Credit Score?

The short answer is yes, finance is available to most customers even if your credit rating is poor.

Using our soft credit search checker is the best and simplest way to see what deals you will qualify for. Simple and easy to use, you won't need any documents or paperwork to get started. Once you've got your credit score, use our finance calculator by entering in your desired loan amount to discover your total repayment plan, including monthly repayment costs.

For Simple Car Finance in Manchester Contact cartime

For used cars in Manchester, there is no better place to browse, finance and secure a warranty on your new vehicle than with cartime. Your one-stop shop for all your automobile needs, we can help you secure your new dream car, no matter if you're after a Peugeot or a Porsche. Prefer a face-to-face meeting? Simply visit us at one of our showrooms in Bury, Rochdale or Burnley to get started.

Enquire with cartime today to speak with industry experts and start your journey to your new dream car.