Motor Finance 4u FAQs - Answers about car finance with low apr
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Answers about car finance with low APR

Applying for car finance can be confusing especially with the fluctuating APR rates between packages, customers need time to consider all of the options and we undestand this. At Motor Finance 4U, we work with a wide range of lenders that are highly competitive, so we get that you will need time to choose the best deal that you're happy with. With us, there is no application fee so there is nothing to lose if you decide not to go with us but if you do, we could have the best deal that'll save you money.

FAQs - Most Frequently Asked Questions

Q. I recently applied for a £15,000 loan. The APR advertised was 3.6%. When I applied they said they were unable to help me! What is the best rate you can offer me? I am a home owner and have a good credit history. I have seen a car I would like to buy so need things sorted quickly.

Hi Thomas, making sure that you get the most competitive finance deal available to you can be confusing. Banks advertise very low rates but won’t actually give it to many people that apply. So your experience is not uncommon. 

Their adverts are supposed to catch your attention and then it will either be unavailable or they offer you a different rate, so the only way of really knowing what is available to you is to apply and see what you are offered.

APRs are confusing as they can be calculated differently from one lender to another. The best way to check the cost is to compare the monthly payments.

If you try our loan calculator it will give you an indication of payment depending on your credit history. In the current financial climate a rate below 10% is very competitive.

You can either give one of our advisors a call for further advice on 01892 822000 or complete our online application and we will get back to you with a decision.

Q. Will you give me a better offer than a bank or car dealership, or are you like a payday lender?

Hi Steve, rest assured we're not like a payday lender. If we give you a finance offer you will have plenty of time to look at the rates and compare them to other places, and in general our APRs are very competitive. We do in fact work with banks such as Santander, and we have exclusive products with lenders which aren't available on the high street, so it's worth applying with us to see what we can offer you. If you would like to know more fill in our simple on line application form or give us a call on 01892 822000 Applications are totally free and you’re under no obligation.

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I just want to say how helpful and friendly all your staff have been, you really have all been a pleasure to deal with and very professional. I can't thank you enough. KR Jessica Townsend

Hi Alex, Thank you very much,  I would just like to say you have been fantastic and we really appreciate all you have done to guide us through the process and help. Many Thanks William.  

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