Private Customer

Find the Right Finance for Your Next Vehicle

Whether you're buying from a dealership or a private seller, Q-Finance can help you spread the cost with competitive finance tailored to you.

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Soft search first — no impact on your credit score

5 out of 5 stars

4.9 from 2,400+ Google reviews Read the finance guides →

Finance Calculator

What could Hire Purchase cost?

£15,000
£1,000
48 months

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
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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.

  • Cars
  • Vans & Commercial Vehicles
  • Motorhomes & Campervans
  • Motorcycles
  • Caravans
  • Supercars
  • Classic Cars

Why Q-Finance

Why Choose Q-Finance?

A finance broker built around real people, competitive lending and a genuinely simple process.

  • Competitive Rates

    Access finance from a panel of trusted lenders to find you a great deal.

  • Soft Credit Search

    Check your eligibility without affecting your credit score.

  • Quick Decisions

    Receive fast decisions from our lending panel.

  • FCA Regulated

    Borrow with confidence through an FCA regulated finance broker.

  • Personal Service

    Real people helping you every step of the way.

  • Thousands of Happy Customers

    Join the thousands who found their finance with Q-Finance.

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.

Simple 5-step journey

How It Works

  1. 1 Complete our online application
  2. 2 Choose your vehicle
  3. 3 We search our panel of lenders
  4. 4 Receive your finance options
  5. 5 Drive away in your new vehicle

Finance Options

Choose the product that fits you

From owning outright to lower monthly payments, we'll match you to the right agreement.

Anything on wheels

What Can I Finance?

  • Cars

  • Commercial Vehicles

  • Motorhomes

  • Campervans

  • Motorcycles

  • Classic Cars

  • Caravans

  • Horseboxes

  • Agricultural vehicles

The benefits

Why Customers Choose Q-Finance

  • Competitive finance packages
  • Friendly UK-based advisers
  • Flexible repayment options
  • Fast application process
  • Support from application to completion
  • Finance for good & improving credit profiles
A smiling customer sitting in her new car, holding the keys

Rated Excellent

Customer Reviews

  • 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 Website

  • 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 Website

  • 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 Website

  • 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. Website

  • 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. Website

  • 5 out of 5 stars

    “I had a great experience with Q Finance. Mark, Iain & Debbie were all very professional, courteous and accommodating of my needs in all of my conversations with them. 5 star experience. I would definitely recommend Q Finance. Thanks to Mark & the team for all their help.”

    Paul Website

In their own words

Customer video reviews

  • Buying my first car on finance

  • Financing a van for the business

  • Swapping a PCP at the end of term

Good to know

Frequently Asked Questions

Not answered your question? Get in touch on 0191 380 4680

Still have questions?

Our friendly UK-based team is here to help, six days a week.

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Finance Guides

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