Need help & advice?
01296 640597

Over 30 years finance experience and access to market leading lenders & rates

We could help with:

  • Prime, near Prime, sub-Prime
  • Terms up to 84 months
  • Full-time, part-time, self-employed
  • Benefits with salary
  • Benefits only
  • Hire Purchase
  • Lease Purchase
  • Personal Contract Purchase
  • Provisional Driving Licence
  • EU Driving Licence
  • Retired
  • Carers/Foster Carers
  • CCJ/Defaults/IVAs/Bankrupts

Castle Credit Finance Limited is a credit broker, but in certain circumstances can act as the lender. Our rates start from 12.9% APR. The rate you are offered will depend on your individual circumstances.

Representative APR - 19.3% APR fixed interest rate

Representative Example: Borrowing £7,000 over 48 months with a representative APR of 19.3% fixed, the amount payable would be £205 a month, with a total cost of credit of £2,831 and a total amount payable of £9,831.

This is an example only, lender fees may apply.

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We have a reputation for delivering a high quality service to the motor trade and customers alike; our philosophy of providing the best service is the same today as it was back in 1991.


With our Head Office in Kingswood and another office in Northampton we have grown considerably over the past 30 years allowing us to give you the service you want from a motor finance broker.


We have access to over 15 leading lenders in the prime, near prime and sub-prime sectors with more than 20 lending tiers between them.


As we have been established for 30 plus years we have excellent relationships with our funders this means we are highly regarded in the industry as a broker who can be trusted.


What you can expect from us:


  • A highly experienced, long-serving team
  • Web-based proposal portal or simply email applications to us
  • Personal attention to each proposal


We are big enough to cope, but small enough to care.

Call us on 01296 640 597

Some common FAQs

Sometimes you don't have to pay a deposit to secure car finance. We work with numerous lenders who offer no deposit. The dealership themselves may ask you to put down a holding payment to secure the vehicle.

Our lenders vary in what they require from you but as a rule of thumb we usually require proof of ID (driving licence, passport etc), proof of income (wage slips or bank statements) and potentially a proof of address (utility bill). We will always make it very clear what we require and confirm this, along with some helpful guidance, in an email.

The vast majority of our lenders will require you, or a joint hirer on your application, to hold a full UK Driving Licence however we do have lenders that will consider Provisional, EU and International Driving Licences as well on a case-by-case basis.

Each lender has their own terms but in the vast majority of cases, 2 years is the minimum term, and 84 months is the maximum.

This depends on the nature of your agreement; for purchase agreements like Hire Purchase (HP) and Personal Contract Purchase (PCP) the lender owns the vehicle until your agreement is settled in full and if applicable, the option to purchase fee, is paid. For Personal Loan agreements the title to the vehicle is always retained by you and you own the vehicle immediately after paying for it.

If you do find yourself with the finances to repay your car loan in full, or are simply looking to upgrade your car to a new model, you simply need to request an early settlement figure from your lender. Your lender will calculate your total repayment balance on your remaining monthly instalment until the end of your agreement, while excluding any interest you would owe for each individual payment. Any missed payments will then be added to this total, along with any early repayment fees, plus interest, before the final figure is sent to you in writing.

Some customers apply in the morning, and collect their car the same day. Usually people will collect within a day or two of the initial application, equally some customers are not able to collect for a period of time. It is tailored to your circumstances and we will always provide adequate explanation if there is a delay our side.

In most cases yes. The dealer needs to have the correct licence to process finance sales, most dealers do have this, and they will need to be happy to receive funds from us, again, most dealers are more than happy to do this. We cannot fund private sales, or from dealers who are not licenced properly unless you qualify for a personal loan with us.

Car finance interest is essentially the amount you'll pay the lender to loan the money. Interest rates are based on numerous factors, such as the price of the car, your credit rating, finance type, and your current financial situation, and dictates how much extra you'll pay for finance instead of buying the car outright.