Why us?

We help you get where you need to be. We do this by working with you to provide vehicle finance.

Our values

We provide vehicle finance, but we do it the Billing Finance way.

We are responsible

We are conscious of our impact on people and the planet.

We care about you

We are kind and compassionate with our customers and with each other.

We work with you

We support financial well-being for our customers and the wider community.

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.
  • 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.
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Humble Beginnings

A growing business that gets you where you need to be by providing vehicle finance and support when you need us.

  1. It all begins

    Billing Finance founded by James Mackaness – initially a general asset finance company.

  2. Putting the wheels in motion

    Focus of the Company moved from general asset financing to vehicles, mostly in the local region.

  3. Branching out

    Billing Finance entered the motorbike finance market.

  4. Moving on up

    Expands coverage and offers finance to all customers nationwide.

  5. Growing together

    Billing Finance employs 104 people including a strengthened senior management team.

  6. Celebrating

    35 years.

  7. Here to support

    Improved extra support function for our most vulnerable customers.

  8. Adapt and move

    Continued with Hybrid working in a post covid environment.

  9. Celebrating

    40 years.

The numbers

Numbers don’t lie, we value people.

3 days

15 Awards



Meet our teams

On your journey to vehicle ownership, you will need different things from us. We have specialist teams who are available to help with those different aspects of your journey.

Applications Support

Friendly knowledgable, available to talk through your questions and help you on the first leg of your journey.

Customer Service

On hand to answer all your queries during the life of your agreement.

Customer Care

Here for you if we get it wrong.

Extra Support

When life gets on top of you and you need more support with your finance agreement.

Credit Control

On the phone helping you change payment dates or information.

Finance Team

Ensuring your money goes to your agreement as quickly as possible.

New Business Team

Our New Business Team are here to help you with all aspects of your Finance application.