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 What are the benefits of taking up car finance on a car as everyone seems to be doing it nowadays?

Some key things you may not know regarding finance are:

  • If you take out a 5 year or 60 month term loan you can pay this back at anytime and you'll only pay the interest to that month. 


  • You can make over payments at any stage during the loan, and there are no fees or penalties for doing this. 


  • If you opt for a 60 month or 5 year term instead of a 36 month or three year term for example your payments are massively reduced but with all of the above added benefits.


  • You can opt for two main types of finance they're called PCP and HP we have included some examples below.


Some of the horror stories about dealer finance are very misleading, for example you're mis-sold, our rates are high and we get great commissions.  At Essex Car Company we're dedicated to being transparent , open and honest.  We not only want to be open and transparent because we want you be be in charge of all the facts before you buy the car.  We're regulated by the Financial Conduct Authority and compliance is an essential part of offering finance, the guidelines are clear and concise and we spend an awful lot of money making sure we're 100% up-to-date with all of the latest legislation.

We are experts in obtaining car finance for customers across the UK whatever their circumstances. Our major partners are Barclays, Motonovo and Santander but we have specialist partners for virtually every customer scenario. If you have had difficulty getting a car elsewhere then give us a call to see why we are different, why we get approvals when others can't help. We have flexible finance deals to suit all budgets and we work to make sure it's right for you. Don't let brokers send multiple searches out in your name, let us use our years of expertise to find the right lender for you.  

Not everyone has perfect credit but regardless of your credit score we can work to maximise your budget. If you have stellar credit or have been refused credit elsewhere contact us right away on 01708 865 578 and let us take the hard work out of financing your new car.


It is our intention to provide a high level of service at all times. However if you have reason to make a complaint about our service you should contact Concept Finance Ltd T/A Essex Car Company at New Road, Wennington, Rainham, Essex, RM13 9EB. If we are unable to resolve your complaint satisfactorily, you may be entitled to refer the matter to the Financial Ombudsman Service (FOS).  Further information is available by calling the FOS on 0845 080 1800 or at