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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.
  • At Billing Finance we are committed to reflecting and representing the diversity of the UK. We will not discriminate either at work, or through our recruitment process, on individuals’ age, disability, gender reassignment, marriage and civil partnership, pregnancy and maternity, race, religion or belief, sex, and sexual orientation.

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 strive to achieve the best outcomes by sharing our skills, knowledge and experience with our customers, third parties and colleagues.
    • We are a family and will support both our customers and colleagues alike.
    • We welcome feedback and strive to continually improve. 
  • We take pride in what each of us do and are responsible for our actions.
  • We encourage self-development both professionally and personally.
  • We help customers get on the road by reducing barriers to vehicle ownership.
  • We will always be open and transparent in our actions.
  • We listen before decisions are made to ensure a fair outcome.
  • We are committed to ensuring an inclusive and supportive environment for our customers and colleagues, promoting diversity, dignity and respect for all.
  • This is achieved by "putting our people at the heart of everything we do".


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.

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

We are a member of the Finance and Leasing Association (FLA).  As a member of the FLA, we follow its Lending Code.  You can find a copy of their Lending Code by clicking here 

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

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