Over £2 Billion
per year lent to customers
Car Finance
Discover a range of finance & insurance services to suit your needs at Sytner
If you're thinking about financing your next car, at Sytner Group we've made it simple. You can finance a car entirely online, in a few easy to follow steps and get an instant decision. Alternatively, our team of Business Managers will be happy to help and will talk you through your options.
We can introduce you to a limited number of carefully selected lenders and finance products to assist you with your vehicle purchase (available for both our private individual and business user customers). Information on the funding products can be given to help you make an informed decision as to which product is most suitable for you.
Why finance your car through Sytner?
As well as giving you added security, choosing to finance your next car through a dealership has many advantages.
We have a variety of finance products to choose from, some of which could offer lower monthly payments or shorter terms (when compared to a personal loan). You'll benefit from a speedy process that ensures all paperwork is completed quickly by the dealership, without the need to send any documents away or wait for money to be transferred to your bank account.
Over 80,000
customers funded per year
How it works
Find your next car
Browse our selection of the UK's best approved used and new cars to find the perfect car.
Get a quote
Use our finance calculator to choose the right deal for you. You can also part exchange your old car for use as part of your deposit.
Apply online
Complete the online application form. This will be submitted to our panel of lenders and you'll receive an instant decision.
Finance options explained
Personal Contract Purchase (PCP)
This is the most popular way to pay for a car and is ideal if you wish to change your car at intervals between 24 and 48 months, taking away the worry of depreciation.
How does it work?
Choose your car (new or used)
Choose the most suitable repayment period
Agree your annual mileage
You are given a Guaranteed Minimum Future Value which becomes your optional final payment
You decide on the deposit and payments suitable for your budget
At the end of the agreement you have three choices; part exchange your vehicle for another car, keep the car and pay the final payment or hand it back and have nothing further to pay.
PCP may be right for you if:
PCP may not be suitable for you if:
You are deemed a high mileage user (e.g in excess of 40,000 p/a)
You want to keep your car for a longer period (e.g 5 years)
Hire Purchase (HP)
The most straightforward method of purchase. Ideal if you desire outright ownership of your car and typically change your car at intervals of greater than 48 months.
How does it work?
Choose your car (new or used)
Choose the most suitable repayment period between 12 and 60 months
Agree a deposit and monthly repayment to suit your budget
At the end of the agreement, as long as all the payments have been made, the car is yours
HP may be right for you if:
HP may not be suitable for you if:
You want to have ownership of the vehicle from the start
You intend to change your car within 2-4 years
Personal Contract Hire (PCH)
This allows you to run a car without the worry of ownership or depreciation. You will also have the option of a maintenance package, so you have no unexpected bills.
How does it work?
Choose a new car
Choose the most suitable hire period, usually between 24 and 48 months
Agree your annual mileage
Agree the rentals most suitable for your budget
At the end of the agreement, simply hand your car back
Personal Contract Purchase (PCP)
This is the most popular way to pay for a car and is ideal if you wish to change your car at intervals between 24 and 48 months, taking away the worry of depreciation.
How does it work?
Choose your car (new or used)
Choose the most suitable repayment period
Agree your annual mileage
You are given a Guaranteed Minimum Future Value which becomes your optional final payment
You decide on the deposit and payments suitable for your budget
At the end of the agreement you have three choices; part exchange your vehicle for another car, keep the car and pay the final payment or hand it back and have nothing further to pay.
PCP may be right for you if:
PCP may not be suitable for you if:
You are deemed a high mileage user (e.g in excess of 40,000 p/a)
You want to keep your car for a longer period (e.g 5 years)
Frequently Asked Questions
You are eligible to apply for finance if; you are aged 18 or over, have an annual income that comfortably covers your monthly payments, have a current bank or building society account in the UK and you are free of bankruptcy.
You will need to be able to provide 3 years address and employment history, along with photographic personal identification i.e. Driving Licence.
Yes you will need to have a full valid driving licence which must be in date in order to apply for finance.
We'll give you an instant finance decision wherever possible, but sometimes it may take longer. We'll keep you updated on your application progress.
Applying for car finance will require what's referred to as a ‘hard search' of your credit report. This is likely to show on your credit score, and if you have several hard searches on your report in quick succession, it can have a negative impact.
By providing us with your personal details, you will be giving us authority to submit credit application on your behalf to our credit providers, each of which may record a search on your credit file. For your reassurance, we will use a maximum of four credit providers and therefore, no more than four credit searches will be registered.
Yes. When you are using our finance quote calculator, you can use our part exchange tool to value your current vehicle. The value of your part exchange (less any outstanding finance) can then be applied to your quote as part of your deposit.
The value of your part exchange may well cover any outstanding finance you have. If not, simply contact the dealership where your chosen car is located via phone or email. The team will be happy to help and will talk you through your options.
We offer a comprehensive range of financial products to suit individual and business needs from a limited number of lenders. Please speak to your local dealership who will be able to explain the various funding methods, so you can make an informed decision.
At every Sytner Group Business, we have a team of Business Managers that will be happy to assist you with any other questions or information you may require. Get in contact with them by finding your nearest dealership
Insurance & Protection
For peace of mind, Sytner Group offers a number of Insurance and Protection products for your vehicle;
Cosmetic Care
We're sure that you'll love to keep your vehicle looking as good as they day you pick it up from us. That's why we've partnered with EMaC to provide a Cosmetic Repair Maintenance Plan
Paint & Interior Protection
Paint and interior fabric protectors create a long-lasting invisible barrier that protects your car inside and out.