We offer competitve rates of finance (subject to status).

Please contact us for a full quotation or complete the application form below.
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This in no way commits you and will only be used to confirm the availability of finance....

Many car-buyers automatically contact their bank when buying a car.

This may not be in the best interests of the car-buyer as very often better finance deals are available elsewhere. Finance from a motor finance specialist such as Top Gear includes important free checks on the car being purchased.

Always ask yourself the following questions before you decide on how to finance your new or used car:

  • Is the interest rate advertised the rate you will really pay?
  • Do you want to be paying for your car longer than necessary?
  • Are you being encouraged to borrow more than you should?
  • Are you protected from negative equity?
  • How long will you wait until your car is delivered?
  • Has the seller of the car been independently checked out?
  • Has the car outstanding finance to be paid?
  • Has the car been stolen?
  • Are your rights protected?

In a world of uncertainty you need to be sure that when you purchase that dream car you are getting the best possible finance deal. At Top Gear we endeavour to ensure that this is the case - we use a finance company that has over thirty years' experience in the motor finance market and are established as one of the leading independent motor finance providers in the UK.

Why take out a personal loan when a motor finance plan provided by Top Gear would give you greater benefit? Here's why:

Is the interest rate advertised the rate you really pay?

Many direct lenders influence the customer by offering competitive headline rates - these look great on paper, however when you apply - you might find that you do not fit the lending criteria and could be charged a higher rate.

At Top Gear we guarantee that the rate you see is the rate you pay. We offer fixed rate motor finance packages - so that no matter what happens to the money market the interest rate that you pay remains constant from agreement start to end.

There is no need to lock yourself into an unrealistically long loan agreement.

Ensure you do not enter a loan agreement which stretches repayment periods way beyond the amount of time you are likely to keep the car, in order to lower monthly repayments.

Let's face it, this does not help you at all - because you are left paying for the car long after you have sold it - or stuck with a car you no longer want.

You can take delivery of your new motor car faster

Using your own cash, or borrowing from a bank/other lender means the dealership needs to wait for the funds to clear into their bank account before delivery can be arranged. And the amount of time it takes for some direct lenders to process your application could mean that you miss out on the car you want altogether. With Top Gear, once your finance is approved, just about all the dealer needs is your signature.

When you use Top Gear you can be sure you are dealing with a reputable motor dealer ensuring your rights are protected.

At Top Gear, we take our responsibilities to you under the terms of Consumer Credit Act very seriously. We fully accept that vehicles financed by us must be fit for purpose.

The car is checked out - Free

Top Gear checks all cars with Hire Purchase Information (HPI) before the finance is approved to ensure they are not the subject of outstanding finance, stolen or an insurance write-off. But with a private purchase - who checks out where the car came from?

Ensure you are protected if the unexpected occurs

At Top Gear our aim is to provide our customers with the highest quality products combined with the first class service. We have a range of finance and associated insurance products that can be tailored to meet your individual requirements.