The Right Finance,
Whatever Your Journey.
From helping individuals purchase their next vehicle to supporting dealerships with specialist finance solutions, Q-Finance provides market-leading finance packages with expert guidance every step of the way.
- Soft search — no impact on your credit score
- Finance on cars, vans, bikes, motorhomes & more
- Fast decisions from a panel of 30+ lenders
However you arrive
Two journeys, one team behind them
Private customers
Finance your next vehicle
- 1 Complete our online application
- 2 Choose your vehicle
- 3 We search our panel of lenders
- 4 Receive your finance options
- 5 Drive away in your new vehicle
Motor dealers
Grow your dealership
- 1 Book a demonstration
- 2 Meet the onboarding team
- 3 Your website is created
- 4 Finance activated
- 5 Start receiving enquiries
Try it now
What could you be paying?
Move the sliders for an indicative monthly figure. It's an illustration, not a quote — but it's a realistic place to start before you speak to anyone.
- No obligation and no sign-up
- Soft search when you are ready — no impact on your score
- Real figures from an adviser once you apply
Finance Calculator
What could Hire Purchase cost?
Your illustration
- Amount of credit
- £14,000
- Illustrative APR
- 9.9%
- Total charge for credit
- £2,876.36
- Total amount payable
- £17,876.36
- 48 monthly payments of
- £351.57
Includes a £1 option to purchase fee. An illustration only — not a quote and not an offer of credit. Your rate depends on your circumstances and the lender. Finance is subject to status and income. Q-Finance is a credit broker, not a lender.
Representative Example
Hire Purchase: Payable by 60 payments of £102.77. Payments are based on a duration of agreement of 60 months, a cash price OTR of £4,995 with a deposit of £99 leaving an amount of credit of £4,896. This agreement results in a representative 9.9% APR and a total amount payable of £6,266.20.
Our lending panel
We only work with trusted lenders
- Advantage Finance
- Moneybarn
- Tandem
- Startline
- Oodle
- MotoNovo
- Blue Motor
- + many more
Lender logos to follow — panel subject to confirmation.
Happily helping 15,000+ UK drivers a year
Trusted by Thousands of
Drivers Across the UK
Rated 4.9 Stars
5 out of 5 stars
We've worked with Q-Finance multiple times over the past few months, and the service from Chris and the entire team has been outstanding on every occasion. With access to a broad range of lenders, they've consistently secured highly competitive rates for us, and their quick turnaround times have been impressive. If you're searching for a reliable finance broker, look no further, Q-Finance won't disappoint.
TC&C
5 out of 5 stars
The team at Q-Finance made everything clear and simple. The whole process was finished in less than a day! Very professional team. With their help, I was able to fund my Polestar!
Stewart
5 out of 5 stars
Chris and the team at Q-Finance are amazing but especially Chris. They saved me money compared to the monthly payment been offered to me from the supplying main dealer. Chris goes above and beyond, his upbeat caring nature is something special. Would highly recommend Q-Finance to anyone and will be using them again in the future
Stacey
5 out of 5 stars
Finance made easy! This was the quickest finance arrangement I’ve ever had done. The team were very helpful and polite. Big thanks to Helen and Chris Reynolds for sorting this out for me so fast!
Raymond R.
5 out of 5 stars
Simply the best experience purchasing a car we’ve ever had. All thanks to Gareth we now have our 8th Porsche, meer thanks is not enough thank you! Swift polite and very courteus service, we highly recommend.
Raymond R.
By the numbers
Backed by scale, run by people
- 50k+
- Finance applications
- £480m
- Funded to date
- 1,500+
- Dealer partners
- 12 yrs
- In business
- +42%
- Avg. enquiry uplift
Figures awaiting client confirmation.
Before you decide
Questions worth answering first
Plain-English guides written to be useful, not to sell you something.
-
Comparison
HP vs PCP: which is right for you?
A side-by-side comparison of hire purchase and PCP — monthly cost, ownership, mileage, flexibility and total cost — so you can pick on facts rather than the monthly figure.
6 min read
-
Guide
What credit score do I need for car finance?
Why there is no single pass mark, what lenders actually look at, and how a soft search lets you check your position without leaving a mark.
6 min read
-
Guide
How much can I borrow for a car?
How lenders work out what you can afford, why the answer is a monthly payment rather than a lump sum, and how deposit and term change the number.
5 min read
-
Guide
What documents do I need for car finance?
The proof of identity, address, income and bank details lenders ask for, why they ask, and how to make the process quick.
4 min read
Good to know
Common questions
More answers for private customers and motor dealers.
Finance available on all makes & models
- Volkswagen
- Ford
- BMW
- Vauxhall
- Jaguar
- Suzuki
- Nissan
- Land Rover