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About Us

Putting people at the heart of everything we do

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About Us

Putting people at the heart of everything we do

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About Us

Putting people at the heart of everything we do

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About Us

About us

About Us

  • We are a privately - run family owned vehicle finance company, founded in 1983.
  • We are based in and named after Great Billing, Northampton.
  • We offer hire purchase agreements to consumers throughout the UK.
  • We focus on customers with non-standard credit profiles that may not fit the automated underwriting processes of other lenders.
  • We are authorised and regulated by the Financial Conduct Authority.

Our Approach

  • We assess customers’ ability to pay using a combination of automatic and manual underwriting means.
  • We finance cars, motorbikes as well as light commercial vehicles and leisure vehicles.
  • Most of our customers apply for finance through a network of trusted brokers.
  • Customers can enquire about finance directly or call us.

Our approach

Our History

  • Billing Finance founded by James Mackaness – initially a general asset finance company.
  • Focus of the Company moved from general asset financing to vehicles, mostly in the local region.
  • Billing Finance entered the motorbike finance market.
  • Expands coverage and offers finance to all customers nationwide.
  • Billing Finance employs over 70 people, including a strengthened senior management team.
  • Celebrating 35 years

Our Values

We're open and transparent in the way we deal with our customers. 

We’re not a huge organisation, so you’re never left talking to a switchboard or being bounced around departments.

Whether we’re talking about customers or employees, people always come first.

  • This is a key value that we insist our employees follow.
  • We are a family-orientated business that recognises the importance of “Getting you where you want to be” both in terms of keeping you mobile and helping you repair your credit profile.
  • In November 2017 we decided to remove our document fee of £295 and reduced our option-to-purchase fee from £95 to £1.
  • In January 2018 for all new customers we removed our late and missed payment charges.


We have won several industry awards.

 Car Finance Awards 2019 Winner Motor Finance 2018 Winner F&I Winner 2018  Motor Finance 2017 Winner


Compliance with regulatory requirements is extremely important to us which goes hand in hand with our ethos of putting people at the heart of everything we do.

Billing Finance is authorised and regulated by the Financial Conduct Authority, authorisation number 314223.

Our hire purchase agreements are regulated by the Consumer Credit Act.

We are a member of the Finance and Leasing Association (FLA). As a member of the FLA, we follow its lending code.

Billing Finance is registered as a Data Controller under the Data Protection Act – ICO registration number Z8917023.

We’re here to help and love to talk to our customers directly. Call us on 01604 402204

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