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!



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 else where
  • 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!


Steve James Motor Cars offers car finance available from £2000 to £100,000 with upto 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!


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

You 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 into 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!

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Contact Us
  • Telephone : 0151 486 2532
  • Operations Manager, Stephen Carter : 07484 064694
  • Mobile : 07786 857 980
  • Email : [email protected]
  • Address : STC House, Speke Hall Road, Speke, Liverpool, L24 9HD
  • (PLEASE, DO NOT request part exchange valuations by email, PLEASE PHONE!)
If you purchase a vehicle off us that is funded through a third party finance broker you have found yourself, our sale price will be subject to an additional £180 administration fee.