Finance Specialists

Steve James Motor Cars have a dedicated team of finance experts waiting to help with your enquiry.

We have relationships with high street lenders and specialist motoring finance houses too, that is why we have helped hundreds of customers secure the best finance deal for their budget.

Our expertise with finance means that even if you have a poor credit rating we can help arrange finance for you.

2 Minute Application

Complete our simple to use online form below and once submitted, we will get back to you as soon as possible.

If you're reading this, you're obviously looking to buy your next car from Steve James Motor Cars on a competitive finance package?

In 95% of cases, we can get the finance you require! Perhaps you've been turned down for car finance in the past? Well, give us a try, this is what we do, and from what previous customers have told us, we do it well!

And remember, unlike the vast amount of car finance brokers dealing in specialist car finance, we source and retail our own cars from forecourt welcome to customer handover!

Many finance brokers will arrange your finance and send the customer to 'any dealer'! Are they good cars? Are they bad cars? Who knows? Does the finance broker know themselves?

We at Steve James Motor Cars 'work alongside you' in a personal, professional and relaxed manner throughout the process from taking the finance application off you to handover of your new car!

Bad credit history? Don't worry!

We know just how easy it is to be refused credit for a car, sometimes through NO FAULT of your own! If you've been refused car credit elsewhere for any of the following --

  • Late payments
  • No Credit History
  • Mortgage arrears
  • Self-employed
  • Declined elsewhere
  • Not on voters/electoral role
  • Previous arrears
  • Discharged bankrupt
  • Defaults

We probably have a facility for you and can obtain the car finance you require!

No deposit needed!

Steve James Motor Cars offer car finance available from £2000 to £100,000 with up to 5 years repayment and no deposit needed! A no deposit deal frees your cash flow up!

The car finance is secured only on the vehicle you are purchasing, NOT your home or other possessions.

FAST ONLINE APPLICATION or why not contact us personally and we'll go through it with you over the telephone?

We at Steve James Motor Cars aim to get you an answer on your car finance application between 1 to 4 hours and can most of the time, achieve faster! All circumstances are considered!

What happens next?

Ok, so I've made my application, now what happens?

Your finance application is sent to our underwriters. It normally takes us between 1 -- 4 working hours to advise you of the outcome. You will be notified initially by telephone in most cases, but should you feel you would like to check the progress of your application at any stage, please call us on 0151 486 2532 and we will advise you of the status of your application.

Great, I've been accepted, now what do I do?

Step 1. Pop in to see us, we'll present the finance documentation to you that the finance company have gone through and explained over the telephone with you.

Step 2. Sign the documents and supply the I.D requirements as discussed!

Step 3. We'll enter your new car into the workshop for New MOT, New inspection and New Service (if required!)

Step 4. Collect your new car from us!

It really is as 'simple as that'! That's the difference dealing with ourselves direct, instead of a finance broker!