Need Finance? All Credit Types Considered · Good Credit - Bad Credit · Customers Receiving Benefits

One Stop Cars of Manchester make it easy to apply for car finance online. Fill in our quick, simple, application form and you could get a decision in minutes.

If you'd prefer, you can browse our stock and apply directly from our vehicle listings. We even offer no deposit finance!

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

Here at the One Stop Cars of Manchester we embrace the Financial Conduct Authorities policy of TREATING CUSTOMERS FAIRLY, it’s central to our ethos.

Please note that we are a credit intermediary and we do NOT provide Independent financial advice. We offer vehicle funding options from a small number of lenders, not whole of market. We may receive commission from the lenders for introducing you to them.


Many people use finance to purchase their next car and here at One Stop Cars of Manchester 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.


Cars of Manchester Ltd T/A The One Stop Cars
Unit B,
Westlink Industrial Estate
Chaddock Lane
M28 1DN

1. Who regulates us?
The Financial Conduct Authority (FCA) We are an Appointed Representative of Revilo Life Ltd who are authorised and regulated by the Financial Conduct Authority. Our permitted business is arranging vehicle finance under the consumer credit licence scope of permissions under the FCA 792586. You can check this on the FCA’s register by visiting the FCA’s website: /register/ or by contacting the FCA on 0845 606 1234. The FCA is the independent watchdog that regulates financial services. Please use the information below to decide if our services are right for you.

2. Treating Customers Fairly
As an organisation you can be confident that the fair treatment of customers is central to our business culture. We are committed to the following outcomes: You will be provided with clear and accurate information about our products and services and kept appropriately informed before, during and after the point of sale. Where you decide to arrange vehicle funding through us, we will ensure to provide you with clear information and any necessary support you may need to ensure you fully understand the terms of the product. We have also ensured that the funders we use offer products they believe comply with the FCA Consumer Duty Fair Value. Where you decide to purchase an extended guarantee from us, we will ensure you receive sufficient clear information to ensure the product will perform as we have led you to expect. You will not face any unreasonable post sale barriers imposed by us to submit a claim or complaint.

3. What products and services will we provide you with?
We do not provide advice or recommendations; however, we will give you information so that you can make informed decisions. We have attempted to prepare this document as straight forward and as easy to understand as possible (in an “easy read” format) but if you have any questions or need any clarification, please feel free to ask us before signing. Remember we are HERE TO HELP YOU. We only offer vehicle dealer guarantees and these are from a single provider, The Motoring Organisation. We offer vehicle funding options from a small number of lenders, not whole of market. We have a sales process to ensure all our customers are treated the same and to try and offer a realistic quotation personal to each customer. We use Evolution Funding soft search system to obtain an idea of your credit score and then use their system to provide you with a quote. If you have a prime score we will propose you to Santander, they do not offer Hire Purchase products instead they offer Conditional Sale Agreements (this means no final option to purchase fee). A copy of our sales process is available to see upon request. We may receive commission from the lenders for introducing you to them and the amount we receive is available upon request in writing. If you would like to discuss this in further detail, please let us know. Please note that we are a credit intermediary and we do NOT provide Independent financial advice. We do not offer any insurance backed products, we do not offer Guaranteed Asset Protection (GAP)

4. What will you have to pay us for these services?
No charges nor fees will be made in respect of the information provided by us. For all customers using a third-party finance provider an administration fee of £199 will be charged by us for the facilitation of the necessary documentation we are required to complete.

5. Disclosure of Information
It is your responsibility to ensure that all information, statements or answers made by you to us are correct and complete as any failure to disclose facts material to the vehicle funding companies or any inaccuracies in your answers may invalidate or interfere with our processes.

6. Policy Terms
You must carefully read all vehicle funding documents and extended dealer guarantee documents that we send to you to ensure they meet with your requirements, and you fully understand their content. If you are in doubt over any terms and conditions, please ask us immediately for clarification. Please be sure you are happy with the service we have provided before signing this document.

7. Are we covered by the Financial Services Compensation Scheme (FSCS)?

As we do not offer insurance backed products, we are not covered by the FSCS.

8. GDPR – Data protection
We respect the information we hold on you, a copy of our privacy policy is available to view on our website. A hard copy is also available on request.

9. What to do if you have a complaint
If you wish to register a complaint, please contact us:

In writing; The Managing Director at Cars of Manchester Ltd Unit B, Westlink Industrial Estate, Chaddock Lane, Worsley, Manchester M281DN

by phone; Telephone and ask for the Managing Director on 0161 799 5565

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service

IDD (Initial Disclosure Document) Download Here

Industry Leading Finance Deals From Your Local Used Car Specialist – One Stop Cars of Manchester

At One Stop Cars of Manchester 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.



Our Finance Partners


Whether you are a private individual or a business customer we believe in making life simple. Santander offer a comprehensive range of highly competitive products that have been designed to meet your precise financing needs, and with more than half a million satisfied customers they must be doing something right. If you’ve already found the vehicle you want and are now looking for finance, it’s important to choose the type that’s right for you. Santander Consumer Finance offers you a range of options which can be tailored to suit the way you want to pay. One Stop is here to help you make the right choice for finance and will be pleased to discuss the options with you. Once that decision is made, your we will apply to us for finance on your behalf, and we are usually able to make a quick decision.

Evolution Motor Finance

Evolution Motor Finance has led the way when it comes to delivering one of the most innovative, comprehensive, and best-in-class vehicle funding propositions in the market. Evolution Motor Finance has become one of the largest point-of-sale motor finance intermediaries in the country and is, without a doubt, the fastest growing. Evolution specialise in providing finance products to customers looking to fund their new motor purchase via one of over 4000+ approved dealer partners and groups across the UK.

One Stop Cars of Manchester is an 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.

First Response Finance

First Response is the third lender they offer Hire Purchase.

Doubts about getting credit? Don’t worry, First Response Finance is a ‘sub-prime’ lender, meaning they specialise in helping people who have a history of poor credit. First Response Car Credit put customers at the heart of everything that they do; helping you, our customer, as much as they can before, during and after your agreement will make us stand out from the competition. Their unique way of thinking and doing business is one of the reasons they were voted Car Dealer Magazine’s “Sub-Prime Finance Provider of the Year” 2016, 2017, 2018, 2020 & 2021!

Their excellent customer service means they’re also rated as the UK’s favourite car finance company (lender) on Review Centre under the category ‘car loans’. They’ve also won the Feefo Gold Trusted Service Award two years running, and our now proud holders of a Feefo Platinum Trusted Service Award for 2nd Year!

Your in good hands with One Stop and First Response

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.

Please complete all fields marked with an asterisk *


GDPR and Data Protection Notice 1998

In considering your application we will search your record at a credit reference agency. They will add to your record details of our search and your application and this will be seen by other organisations carrying out later searches. It is important that you give us accurate information. We will check your details with fraud prevention agencies and if you give us false or inaccurate information and we suspect fraud we will record this. We and other organisations may use and search these records to help make decisions about credit and credit related services, for you and members of your household; trace debtors, recover debt, prevent fraud, and to arrange your accounts or insurance policies; check your identity to prevent money laundering unless you furnish us with other satisfactory proof of identity. You have a right, on payment of fee, to receive a copy of the information we hold about you if you apply to us in writing. We may pass on your details to other companies to send information about the product.

Please tick the box below to confirm that you consent for your information to be made available to any potential lender or broker who may be able to help you buy/lease your vehicle of choice at One Stop Cars of Manchester.