car refinancing

refinance your existing car finance to
lower your monthly payments.

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


fill out our quote request form


Our team will be in touch with bespoke options


Fill out our finance application form


credit check and document signing


start your new agreement

prefer to call?

01656 47 00 55

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

Image by Kevin Bhagat