car refinancing

refinance your existing car finance to
lower your monthly payments.

fill out our quote request form or watch our explainer video

request quote

enter your info to see how much you could save on your monthly payments.


Received! We'll be in touch soon.

simple 5-step process

1. fill out our quote request form

2. our team will be in touch with bespoke options

3. fill out our finance application form

4. credit check and document signing

5. start your new agreement

Please Note: We will require a copy of your settlement letter to proceed with any new finance agreement. 

How does it work?

Once you have submitted your information, a member of our team will be in touch with two finance options for you.

A straight Hire Purchase quote, and a Lease Purchase agreement. If you're happy with our quote, we will run through a finance application form to submit to our underwriters. Once approved, we will send you some documents to e-sign and we can finalise the deal. Our finance partners will then settle your existing agreement, and you will pay our partners for your car. You can

own your car at the end of the agreement.

Do you accept business users?

We can accept business customers, but we can't refinance commercial vehicles. For example, if you're driving a Ford Kuga on a HP agreement that is in your company name, we can help you reduce your monthly payments.

What existing agreements can you accept?

We can accept various finance agreements mid term or end of term (balloon), such as Hire Purchase (HP), Personal Contract Purchase (PCP), Finance Lease (FL) or Lease Purchase (LP). The only agreements that we can't refinance are Personal Contract Hire (PCH) or Business Contract Hire (BCH).

How quickly is the process?

This can all depend on how quickly we can get the relevant information from you. Providing you can give us the information we need to progress your application, we can usually complete the process within a 5-10 working days.

What APR rates do you work off?

The APR that you will receive will be based on the overall strength of your credit rating and will be determined by our underwriters. The lowest APR is 7.9% and the highest is 9.9%.

Will you perform a credit check?

Yes, the underwriters will perform what is known as a 'hard search' on your credit history to ensure you are likely to repay them. This will appear on your credit profile.

Do you accept poor credit?

We cannot accept poor credit history or an individual with adverse credit, for example County Court Judgements. If you are unsure of your own credit rating, there are plenty of free tools out there that can give you more information.

Who are you regulated by?

We are approved and regulated by the Financial Conduct Authority (FCA) with Firm Reference Number 971338. We are also monitored by Automotive Compliance Limited.

How can I get in touch if I have more questions?

We are very sociable and can be contacted on Facebook, Instagram and LinkedIn. However, if your question is urgent, our office number is 01656 470055 and our helpful team are available Monday to Friday between 9am and 5pm. You can also send us an email at Finally, you can write to us at The Old Fire Station, Pandy Park, Aberkenfig, Bridgend, CF32 9RE.


By applying to refinance your car, you are confirming;

You are 21 years of age or over

You are not over 80 years of age at end of loan term

You are not Armed Forces personnel

You hold a valid full UK driving licence

You do not reside in Northern Ireland

The car is not more than 15 years old at the end of the loan term (HP)

The car is not more than 10 years old at the end of the loan term (LP)

The vehicle is not an import

The vehicle is not left hand drive

The vehicle is not used for private hire, daily/short term rentals or chauffeur business

Car Refinancing Bridgend, South Wales

We often get asked how does car refinancing work and luckily, the process couldn’t be simpler! Hawkstone Farley require a few pieces of information regarding your existing agreement, such as your current monthly payment and your settlement figure. With this information we can provide you with a competitive car refinancing quote from our carefully selected panel of lenders. If you’re happy with the information, then we require you to fill out a finance application form, sign a few documents, and your new agreement starts. Car refinancing basically means the existing amount you owe on your car gets bought off your current finance company and is then payable to a different finance company.

If you’re looking for a reliable, experienced car refinancing company in Bridgend, Swansea, Cardiff or other areas across South Wales, then Hawkstone Farley is the one for you. We are your online car refinancing calculator that can give you a bespoke quotation on hire purchase or lease purchase, depending on the vehicle and its age. Our car refinancing rates are competitive and in line with other finance companies in South Wales and surrounding areas. If you’re wondering if car refinancing is worth it, then let us ask you a different question; would you like to continue driving your current vehicle and pay less each month? Car refinancing is a great way to do that.

Image by Kevin Bhagat

Car Refinancing Cardiff, Swansea, South Wales

There are various pros and cons of car refinancing. One of the most obvious pros is that you get to pay less each month for your car. That being said, to achieve lower monthly payments you will need to spread the cost over a term which can sometimes exceed your existing agreement. Now, this isn’t an issue if you’re happy to continue driving it, however, if you like to change your vehicle every couple of years, then this might not be for you. As a leading car refinancing company in Bridgend, Swansea, Cardiff and surrounding areas across South Wales and the UK, our experienced team are on hand to talk you through various options and find the best solution for your individual needs.

You can refinance your car after 6 months and refinance a car after 1 year. Alternatively, if you’re facing a large balloon payment, commonly found at the end of a PCP agreement, then we can refinance that for you. If you’re wondering if you can trade in your car early, even on the new finance agreement, the answer is yes and the process is simple. You will need to call up the new finance company and ask for a settlement figure, sell the car and settle the finance. If you have any questions about this process, please call our helpful car refinancing Bridgend team. We are a finance broker in Bridgend and can introduce you to a number of lenders that will find you the best deal for your circumstances.

We do not charge any administration or broker fees to refinance your car. Hawkstone Farley can refinance any make and any model, including Ford, Volkswagen, Mercedes-Benz, Peugeot, Vauxhall, Renault, Citroen, Volvo, Land Rover and more. To take the next steps in refinancing your car, simply head to the top of this page and fill out our quote request form. A member of our car refinancing UK team will be in touch with some options and all of the information you require to make a decision. For the best car refinancing company in Bridgend, Swansea, Cardiff and surrounding areas across South Wales, choose Hawkstone Farley.