Stebbings Car Centre Limited t/a Stebbings Car Superstore is authorised and regulated by the Financial Conduct Authority (FCA) for consumer credit purposes (Ref 679281) and an Appointed Representative of AutoProtect (MBI) Limited (Ref 312143) for general insurance mediation purposes. You can check this on the FCA website fca.org.uk or by contacting the FCA on 0800 111 6768.

Stebbings Car Centre Limited t/a Stebbings Car Superstore is a credit broker and not a lender.

We are a member of SAF. This is Specialist Automotive Finance and was introduced by the Finance & Leasing Association (FLA) in 2007 to boost professionalism in motor dealerships and increase consumer confidence in car finance. More information can be found Here

It is important that you always borrow money through an FCA approved agent as this shows the company is fit and proper to deal with and meets the strict legal requirements and compliance that is set out by this financial regulatory body, ultimately protecting both sides.

With our in-house experts, our dedicated team can tailor the most competitive funding solution to meet your needs.

First of all though, what type of used car finance is out there for you?

What is PCP?

This is where you pay an initial up front deposit, followed by monthly payments. At the end of your payments a final ‘balloon’ payment remains. You can either pay this in order to keep the car, part exchange for a new car or hand the car back. The full name for this is Personal Contract Plan.

What is PCH?

PCH, or Personal Contract Hire is very different to PCP (although they appear very similar in name). This is where you take control of the car for a contracted period of time, making a fixed payment each month. When the contract comes to an end you return the car and walk away or take out a contract on a new one.

What is HP?

This is straight forward Hire Purchase and is the more traditional approach. You pay an initial deposit, followed by monthly payments which are set by you. Once the final payment is made the contract ends and you own the car.

Customising your finance

Did you know you can also tailor your finance quote to suit your needs? This is available on most of our used cars, all we need to know is your monthly budget.

There are also a host of other services we offer including:

  • Business funding solutions
  • Return To Invoice insurance (RTI)
  • Guaranteed Asset Protection (GAP)

We also offer a secure, friendly and confidential service. If you wish to discuss any aspect of vehicle financing, please call our Finance Team on 01553 661661. Alternatively, feel free to email us via the 'Make An Enquiry' button above and we will get back to you within 24 hours.