New Customers

Putting people at the heart of everything we do, we believe in being fair and transparent to our customers.

New customers

We have a simple pricing structure with no unexpected charges. We only offer hire purchase agreements, which you can find further details on below:

Easy-to-understand product with fixed interest rates meaning you will have fixed monthly payments.

No balloon payments.

Customers have option to buy the vehicle from Billing Finance at the end of the agreement.

No excess mileage charges.

Payments made by convenient Direct Debit.

We can lend anything between £3,000 and £25,000.

Duration of agreements between 36-84 months.

Our option-to-purchase fee is only £100, and we only charge this as we are legally required to!

No document fees.

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Rates & Vehicles

We offer a range of APRs based on asset type, loan amount and customer credit score.

If you are introduced to us by a broker/dealer, we will pay a commission to the broker/dealer that introduced you to us. The amount of commission we pay depends on the amount you borrow and may also depend on your credit score. The commission we pay will not affect the amount you have to repay under your agreement. If you would like to know more, please contact us.

  • Vehicle age restrictions also apply. Maximum age permitted for vehicle at end of agreement is: Car – 15 years, Van – 15 years, Caravan – 18 years, Motorbike – no max age and Motorhome – 18 years
  • We have no maximum annual mileage restrictions once you have the vehicle, however we do have restrictions on the maximum mileage of a vehicle at the start of the agreement.
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Customer & Vehicle Criteria

Please click on the boxes below to reveal further information:

Even if you have had credit issues or problems in the past we will still consider your application if we can see you are on the right path to repairing your credit history.
We will still consider you even if you are not on the electoral roll or have a limited credit history.

We do have minimum criteria, which are as follows:

  • You must be aged between 18 and 73 at the start of your agreement and no older than 80 at the end of the agreement.
  • You must reside at a permanent address in mainland England, Wales, Scotland or Northern Ireland and not reside in a caravan park.
  • You can be self-employed.
  • If you are retired, you should have a regular income.
  • You must have a minimum credit score and meet our underwriting criteria.
  • You must receive an income of at least £1242 per month, after tax.

When you apply for finance we will undertake an affordability assessment and only decide to offer you finance if we feel comfortable it will be affordable and sustainable for you. We ask that you should do the same. Before entering into an agreement please consider if the monthly payments are affordable and you will be in a position to continue paying the monthly payments for the term of the agreement.

Are you aware of or anticipate any changes in your circumstances which will impact your ability to repay your monthly payments for the term of the agreement?

Consider if there are going to be changes in your expenses or income in the near or foreseeable future which will impact your ability to pay. For example:-

  • Change in job situation
  • Change in income or benefits
  • Change in expenditure – e.g mortage/rent payments, child care etc
  • Change in personal or family circumstances

If there is, please do let us know before entering into an agreement with us.

What we can finance:

  • Cars
  • Motorbikes (125cc and above, including road legal quad bikes)
  • Light commercial vehicles up to 3.5 tonnes
  • Leisure vehicles including touring caravans and camper vans up to 3.5 tonnes
  • Vehicles being used for commercial purposes

We do not finance:

  • Imported vehicles
  • Left hand drive vehicles
  • Any vehicle that cannot be independently valued

Why choose us

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.


Popular questions about car finance

These are proofs we may require: photo ID (Passport or Driving Licence), proof of address (dated within the last 3 months), proof of income (dated within the last 3 months). Where a non-UK licence is provided, we require two proofs of identity.

The finance offer is valid for 30 days. After 30 days, a new application will ned to be made.

It will only affect your credit file once the funds have reached the broker and the vehicle has been released.

We do consider customers who may find it difficult to obtain finance from a high street lenders. You will need to meet our minimum criteria and be able to meet a sustainable payment, which we will determine through assessing information like your income and expenditure. To see your credit history, you can approach the credit reference agencies (CRAs). More details can be found here* including how you can contact the main CRAs for your report.


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