Free Finance Check

It can be confusing to know what you need to be accepted, but our free finance checker only takes four simple steps to give you an answer. Here at LMC, we aim to make the whole process of buying a car as simple and straightforward as possible.

Thanks to our various finance packages and ability to source quotes from a large selection of lenders, being accepted for finance is achievable. We are specialists in used car finance in Essex and offer competitive rates among other dealers in the market and a hassle-free application process because we know how busy life can be. If you’re unsure what the best finance package for you would be, don’t worry, our experts are on hand to give professional advice on what would be best for your budget, to ensure we secure the perfect deal for you.

Here are your options

Personal Contract Purchase

Personal Contract Purchase car finance is a great way to buy your new car for affordable monthly payments over 2-5 years. PCP deals are flexible by nature too, so you can choose whether you want to own the car, part-exchange it or hand it back at the end.

Hire Purchase

A HP agreement is designed for people who want to own their cars. A deposit payment is required initially (usually around 10% of the car’s value), followed by fixed monthly payments that cover the cost of the entire vehicle. If you want to own the car at the end, you’ll need to pay a small option to purchase fee of around £100-£200. Otherwise, you can decide to hand the car back with nothing more to pay.

Bad Credit

Having bad credit won’t stop you from taking out a finance agreement with us. We work with lenders who also specialise in bad credit finance and as a result, you could be accepted even if you’ve been refused elsewhere.

Even if you’re not searching for a HP (hire purchase) or PCP (personal contract purchase) loan, we can source quotes from a variety of lenders your options are opened up. We’ll consider packages such as PCH (personal contract hire), also known as car leasing and personal loans. 

LMC is here to help you save money when buying your car. We offer a comprehensive selection of over 200 used cars for you to choose from on various finance options, giving you plenty of choice and flexibility.