Billing Finance has never operated a DCA model

You may have recently seen a news story that the financial services industry regulator is making some temporary changes to some complaint processes in the motor finance sector. This is for complaints about discretionary commission arrangements (DCAs). A DCA is where the finance broker was able to adjust the rate so that it affected their commission. Billing Finance has never operated DCAs and the commission we have paid brokers has not affected the amount our customers have paid.

Getting you where
you need to be

At Billing Finance, we help people get where they need to be. We do this by working with you to provide vehicle finance and friendly support when you need us.

Find out more about our rates and criteria

As easy as 1-2-3

As long as you are UK resident, not currently bankrupt, can supply proof of earnings
and address and are between 18 and 73.


Apply for vehicle finance, either direct to us or through a third party.


We do all the relevant checks, make sure that our product is right for you and give you an answer.


Drive away your new vehicle knowing you’re in safe hands with Billing Finance.

Why Billing Finance

Here at Billing Finance, we use a combination of automatic and manual
underwriting means whilst keeping people at the heart of everything we do.

Billing Finance explained

We are a privately owned vehicle finance company, striving to offer great experiences to all of our customers.

Bad credit? No problem

We offer vehicle finance on a number of niche assets including cars, motorbikes and motorhomes. We consider all customers on their individual needs and criteria.

The application process

We aim to make applications as simple and fast as possible, and we listen before decisions are made to ensure a fair outcome for all.

Join other happy customers using Billing Finance

See how the Billing Finance
team can help you

Latest news

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