Car Finance

Northumbria Cars can offer you finance from a number of leading lenders in the UK. For a finance quote either use our finance form or give us a call on 0191 4883176.

When buying a used car it’s important that you can trust the garage you’re buying it from. Here at Northumbria Car Sales we’re a family run business which has been established for over 20 years. Our Car Finance Application Service is Fast, Free, and Easy.

Apply for car finance today and drive away. We can get you approved for car finance. We help thousands of people every year!

Finance Form

Car Finance for Everyone – A Personal Approach

With our unique approach, Northumbria Car Sales aims to ensure that each applicant is assured the best interest rate and terms for their specific car finance application. Working closely with some of the most well-known and reputable financial service lenders, banks, leasing companies and private lenders who are ready, willing and able to do business with you. Remember, if you have good credit, we will get you approved at highly competitive interest rates.

As well as a FINANCE FOR EVERYONE SERVICE when you buy a car from Northumbria Car Sales you also get:

We are Northern Motor Homes UK Limited trading as Northumbria Car Sales, we are authorised and regulated by the Financial Conduct Authority, our Firm Reference Number is 661219. All finance is subject to status and income. Applicants must be 18 or over, terms and conditions apply, guarantees and indemnities may be required. Written quotations on request. We act as a credit broker not a lender, Northumbria Cars can introduce you to a carefully selected number of finance providers who might be able to you finance for your purchase based on your credit rating and we may receive a commission for such introductions.

Note: We cannot be held responsible for specification errors, and price errors, we use Motor trade software which is not always 100% accurate, we recommend that you always confirm specifications prior to purchasing the vehicle.

Typical Credit Example:

Vehicle Price: £6350.00, Cash Deposit £500.00, Total charge for credit: £6260.93, Total Amount Payable: £12,610.93, Representative APR:39.8% Agreement duration: 60 Months.

Car Finance Explained

Hire Purchase is one of the most common types of finance, it is really simple – you hire the vehicle and make fixed monthly repayments until you have paid off all of the agreed finance. There are no surprises at the end of your agreement such as balloon payments or mileage restrictions. The entire car price is spread across your agreement term and once all monthly payments have been made the car becomes yours, making it one sensible option for borrowing.

Hire Purchase is a suitable form of car finance for people who struggle to get other forms of credit such as personal loans, people with bad credit as well as people who do not want to pay cash for a vehicle. It is a convenient way to pay for a vehicle based on budget and credit profile so you can get monthly payments which are affordable.

Hire Purchase is suitable where the cost of a large purchase (e.g. a motor vehicle) is required to be spread over a period of time, such as the period of anticipated use, and where you
wish to retain ownership of the goods after the end of the agreement terms.

It is also suitable where a fixed monthly repayment is required, with the certainty that it will not change during the term.

Hire Purchase agreement may not be suitable as a form of short term credit. If the intended period of use of the goods is significantly shorter than the agreement term (e.g. three months instead of three years).


Typically a deposit is not required but there are some circumstances when a deposit may be required. For example if your maximum loan amount is £7,000 and the vehicle’s asking price is £7,200 you would be required to pay a £200 deposit.

Amount to Finance

The full amount you will have to pay for the vehicle is divided into fixed monthly repayments which are spread over your agreement term; this could be from 24-60 months dependent on your circumstances and chosen vehicle.

For more information please contact us.

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