We Make Buying Your Used Car With Used Car Finance Nice and Easy!

Many people use finance to purchase their next car and here at One Stop Car Shop we have access to a wide range of finance products and providers.
Our F C A trained and qualified staff will be happy to talk to you about these to ensure you get a deal that suits all your needs and budget requirements.

You can pre-approve your finance online by using the Finance Calculator below and you can learn more about the products online viewing the videos below.

Industry Leading Finance Deals From Your Local Used Car Specialist – The One Stop Car Shop

At The One Stop Car Shop we have partnerships with many large automotive finance specialists, which allow us to make sure that you the customer are always looked after and have the best possible deals available.

We are able to tailor all finance packages to suit your individual requirements whether that is a nil deposit, balloon payment, Guaranteed Future Values (GFV) or payment contributions.

We help cater for all types of customers business or personal and have available funding for prime and non-prime customers.

Here Some Commonly Used Vehicle Finance Types Explained

Hire Purchase (HP)

Hire purchase is a simple, straightforward way to spread the cost of buying a new car. It´s fixed rate finance – with a fixed monthly payment.
The deposit you pay is flexible – typically between 0-50% of the vehicle cost. The remaining balance, plus fixed interest, is repaid in equal instalments over an agreed period (12-60 months).
Why consider Hire Purchase?

• Low deposit – keeps valuable personal or business cash available
• Control – you decide the deposit, you decide the term
• Fixed monthly payment – perfect for budgeting
• Flexibility – doesn´t compromise your other lines of credit
• Assets – you gain vehicle ownership
• Tax benefits – Tax allowances for business users
• VAT free – no VAT on payments

Personal Contract Purchase (PCP)

Personal Contract Purchase is highly attractive and increasingly popular. It combines low, fixed monthly payments with exceptional flexibility at the end of the agreement.
Your car´s guaranteed future value is calculated (based on agreed mileage and age) and becomes deferred as a final payment (balloon).
PCP is ideal if you’re opting out of a company car scheme. You use your company car allowance to fund your PCP monthly payments without paying company car tax.
Crucially, you don´t commit to buying the car at the outset. Instead, you use it for 24-48 months, deciding at the end of the agreement what you want to do. Either:

• Buy the car by paying an agreed minimum residual value
• Part-exchange the vehicle for another
• Sell the vehicle privately (settling the balloon)

Or, subject to mileage and condition, return the car with nothing more to pay (e.g. if depreciation resulted in negative equity)

Lease Purchase

Hire purchase with a balloon offers lower monthly payments than normal hire purchase. Instead, at the end of the agreement, you can make a final lump sum payment (or ‘balloon’) to own your car.
It’s fixed rate finance – but with a lower fixed monthly outlay since you defer repayment of some of the borrowing. At the end of the agreement options include car purchase, refinance, part exchange or resale.
The deposit you pay is flexible – typically between 0-50% of the vehicle cost. The deferred balloon element is calculated on the estimated future resale value of the car.
The difference, plus fixed interest, is repaid in equal instalments over an agreed period (maximum period of 48 months), plus a final balloon payment.

Why consider Hire Purchase with balloon?

• Low deposit – keeps valuable personal or business cash available
• Lower fixed monthly payments – perfect for budgeting
• A better car – lower payments can help you choose a higher specification car
• Flexibility – does not compromise your other lines of credit
• Assets – you gain vehicle ownership
• Tax benefits – Tax allowances for business users
• VAT free – no VAT on payment

Contract Hire

If you or your business normally buys its cars with cash, a bank loan, or through a traditional Hire Purchase scheme, then you may find Business Contract Hire a far more cost-effective option.
Not only does Contract Hire allow you to run a new vehicle for an inclusive monthly rental, but it also releases valuable capital from your current vehicle or your next potential purchase. Contract Hire means you can afford an even better vehicle than you initially thought.

Contract Hire can offer a package to include routine servicing and maintenance costs for a small increase in the monthly rentals. All scheduled maintenance work will be carried out by the main dealer network and at a local dealer of your choice. Maintenance packages include replacement tyres (excluding punctures), batteries, exhausts and all parts that are subject to fair wear and tear**.
At the end of your agreement we will arrange to collect your vehicle free of charge from your office address. Not only does this avoiding time-consuming disposal issues and any worries over depreciation of the vehicle* but allows you to make the best use of your valuable time. Annual Road Fund Licence is included in the monthly rental for the duration of the contract.

Key Benefits** of Business  and Personal Contract Hire

• A low initial outlay from just 1 month´s payment
• Flexible terms from 24 to 48 months
• Road Fund Licence included in the monthly rental
• A choice of rental period
• No depreciation risks
• Optional monthly maintenance packages**
• The ability to forward plan
• The lowest fixed monthly rentals
• A simple ´hand back´ process at contract maturity**
• Removes time consuming disposal issues*
• Makes more capital available to you
• Complete peace of mind

• Personal Contract Hire offers corporate pricing for private individuals
• Business Contract Hire offers the ability to show the vehicle off your balance sheet
• Business Contract Hire allows a proportion of the rentals allowable against tax***
• Business Contract Hire offers allows VAT to be reclaimable on the rentals***

* Excess mileage and vehicle damage charges other than fair wear and tear may be payable.
** Subject to terms and conditions of the agreement.
*** VAT registered businesses*, VAT is reclaimable on the rentals, based on 50% of the VAT on the capital element (assuming an element of private use) and 100% of the VAT for any maintenance charges.

Our Finance Partners


At Barclays Partner Finance, there’s real heritage to their business. Founded in the 1930s as Carrick Finance, they became Clydesdale Financial Services in 1987 before joining the Barclays family in 2003. Now, as part of Barclays Bank PLC, they are one of the largest providers of point-of-sale finance. They currently work with leading business partners across the UK, providing trusted, competitive personal finance options to thousands of happy customers.
Working with such a breadth of businesses gives Barclays unique insight into the nuances of different industries and changing customer needs. And this has led to the development of a full suite of vehicle finance solutions – always flexible, always innovative; always keeping our automotive business partners a step ahead of the competition and customers happy.


ALPHERA Financial Services provides flexible finance options for all makes of new and used vehicles.
They are a specialist Motor Finance Company with a reputation for innovative finance solutions, available through the One Stop Car Shop.
With a wide range of financing options, excellent customer service and unique connection with customers and Partners alike, Alphera are dedicated to delivering the smoothest possible process for the purchase of any vehicle to our customers and delivering high quality service to the One Stop Car Shop. It’s our aim to be a first choice vehicle finance and insurance provider.

Black Horse

Black Horse provides finance for thousands of customers every year to buy their vehicle from a network of dealers throughout the UK.
Our motor dealer products provide flexible loans to suit your circumstances – helping you buy a new or used small, family or sports car.
We are a leading provider of car finance with over 50 years experience, with a range of hire purchase and contract hire products to suit our clients.
Black Horse Motor Finance, Black Horse Motorcycle Finance and Black Horse Caravan and Motorhome Finance are trading styles of Black Horse Limited.


As the fastest growing motor finance provider in the UK, 2015 will see us fund in excess of 25,000 vehicle loans for both private and business customers. Evolution specialise in providing finance products to customers looking to fund their motor vehicle via one of over 2000 approved partner dealerships and groups across the UK. Evolution have two main goals: to help our dealers to sell more cars and to facilitate their customers to buy the car they want, at the budget they can afford.Evolution delivers a quick, efficient and hassle-free approach to motor sales, both for the customer and the dealership.

FCA Authorised Dealer

The FCA work to protect consumers from the harm that can be caused by bad conduct in the financial services industry. They act to ensure that a firm has its customers at the heart of how it does business, giving them appropriate products and services, and putting their protection above profits or remuneration. To make sure consumers are protected and treated fairly, they monitor which firms and individuals are able to enter the financial markets, making sure that they meet their standards before they authorise them. They then supervise how they work and stop those that are not meeting their standards from carrying out the activities that they regulate. Where they find that firms are not following their rules, they intervene. This can mean stepping in to impose penalties, to stop them from trading or to secure redress, and ensure that consumers receive the information they need in the right way, so you can make the best decision for yourself.

Zuto Trusted Dealer

Zuto, the UK’s number one car finance specialist, personally invite dealers to be on their recommended dealer list but they have strict criteria in place that they have to meet. It’s all designed to make sure that they only have the best dealers on their list that they can confidently recommend to their customers. The One Stop Car Shop are one of those dealers

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