Used Car Finance in Stockton
At Lawson Cars, we make buying used cars in Stockton easy with flexible finance options. Whether you're looking for a family car or a compact city runner, our tailored finance plans help you spread the cost comfortably. Visit us in Middlesbrough to find your perfect car and discuss your finance choices!
Typical Representative Finance Example
| Product Hire Purchase | Cash Price £12,000.00 |
| Total Deposit £1,200.00 | Total Amount of Credit £10,800.00 |
| First Payment £231.54 | 58 Monthly Payments £231.54 |
| Final Payment £232.54 | Agreement Duration 60 months |
| Admin Fee £0.00 | Option to Purchase Fee £1.00 |
| Interest Charges £3,093.40 | Total Amount Payable £15,093.40 |
| Annual Fixed Interest Rate 5.73% | Representative APR 10.90% |
| Product Hire Purchase | Cash Price £12,000.00 | Total Deposit £1,200.00 | Total Amount of Credit £10,800.00 | First Payment £231.54 |
| 58 Monthly Payments £231.54 | Final Payment £232.54 | Agreement Duration 60 months | Admin Fee £0.00 | Option to Purchase Fee £1.00 |
| Interest Charges £3,093.40 | Total Amount Payable £15,093.40 | Annual Fixed Interest Rate 5.73% | Representative APR 10.90% |
| Product Hire Purchase | Cash Price £12,000.00 | Total Deposit £1,200.00 | Total Amount of Credit £10,800.00 | First Payment £231.54 | 58 Monthly Payments £231.54 | Final Payment £232.54 |
| Agreement Duration 60 months | Admin Fee £0.00 | Option to Purchase Fee £1.00 | Interest Charges £3,093.40 | Total Amount Payable £15,093.40 | Annual Fixed Interest Rate 5.73% | Representative APR 10.90% |
What Finance Options Are Available For Used Cars In Stockton?
We offer a variety of finance options including Hire Purchase (HP) and Personal Contract Purchase (PCP) to help you spread the cost of your car purchase.
Can I Apply For Car Finance If I Have Bad Credit?
Yes, we work with several lenders who specialise in providing finance for individuals with a range of credit histories. We encourage you to apply as we consider all circumstances.
What Documents Do I Need To Provide To Apply For Car Finance?
Typically, you will need to provide proof of identity (such as a passport or driving licence), proof of address, and recent payslips or bank statements to verify your income.
How Long Does It Take To Get A Decision On My Finance Application?
We aim to provide a decision as quickly as possible, often within a few hours. The exact time can vary depending on the completeness of your application and the lender's processes.
Can I Use A Part Exchange As A Deposit For My Car Finance?
Absolutely, we accept part exchanges and the value of your current car can be used towards the deposit for your new car, potentially reducing your monthly payments.
Are There Any Restrictions On The Cars I Can Purchase With Finance?
Finance is available on most of the cars we offer. However, some restrictions might apply based on the car's age, mileage, and price. Our team can provide specific details based on your choice of car.