Flexible Vehicle Finance, Built Around You!
Low Rate Vehicle Finance From 9.9% APR
Choose ANY Vehicle From ANY Reputable Dealer
We Put You In Control
We offer a range of traditional vehicle finance products, including Hire Purchase, Lease Purchase, Personal Contract Purchase and Personal Loans.
Whether you're an individual or a business, financing your next vehicle could be the perfect solution. With our financing options, you could even afford to get a newer or better-quality vehicle.
At Motor Loans R Us, we put you in control. You choose the vehicle, the dealer, and the payment plan to suit your needs.
We aim to make the vehicle financing process as simple and stress-free as possible. We understand that getting finance can be a concern. Still, we encourage our customers to get their finances in place before looking for vehicles to avoid disappointment or being swayed into a vehicle that stretches their budget too far.
Apply Now For Your No-Obligation Quote With No Impact On Your Credit Score.
How Finance at Motor Loans R Us Works
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Why Choose Us
Frequently Asked Questions

The Oxford definition of finance is 'provide funding for a person or enterprise'. That's what vehicle finance is - funding for a person or enterprise, e.g. limited company, self employed. The funds are then used to purchase a vehicle.
Vehicle finance helps spread the cost of the purchase of a new or used vehicle, instead of paying the amount in full upfront you pay over a number of months making the purchase much more manageable.
There are multiple ways to pay for a vehicle on finance, these agreements are; Hire Purchase (HP), Lease Purchase (LP) or Personal Contract Purchase (PCP). Each of these products works a little differently, but essentially the finance company will buy the vehicle on your behalf and you will repay the value of the vehicle plus interest.
To put it simply as a finance broker we are the middle man between you, the customer and our lenders. We work with a panel of lenders which allows us to find a range of different financial solutions for a range of different circumstances.
We are experts in our field and our primary aim is to get you the best finance deal.
One of the main advantages of financing a vehicle is not having to pay a large sum of money.
In reality, we don’t all have access to a large sum of money to pay for a vehicle in cash. Financing allows you to spread the cost over many months making it more affordable.
Another advantage is being able to get a better vehicle. Due to being able to pay off the vehicle over many months, you may find it within your budget to get a more expensive better-quality vehicle. Getting a better quality vehicle could reduce expenses in the long run.
Check out our blog post for more advantages to financing a vehicle
A lender decides how much they will let you borrow by doing what is called an affordability check. Generally, they will review how much your earn (income) and how much you spend on regular payments such as mortgage/rent and bills. The more disposable income you have the more likely you are to be able to afford a vehicle repayment.
Vehicle finance is a big commitment that can last for many years, affordability checks can help ensure that a monthly vehicle repayment won’t lead you into debts or make it hard for you to cover other expenses.
Asking affordability questions is part of being a responsible lender, a lender wants you to be able to keep to the monthly repayment so will never lend you more money than you can afford to pay back.
You generally have to be over 18 to get vehicle finance and have an income, however, each lender has different criteria. As a finance broker at Motor Loans R Us, we work with a wide range of lenders. Here’s a general list of what our lenders accept.
- 18-80 years old
- Minimum income of £750 a month
- Disability
- Retired
- HM Forces
- Self Employed
- Good, Poor and Specialist Credit
- Refinancing of Residual Values
- High Mileage Vehicles
- Negative Equity Products
- Nil Deposit Schemes
Our lenders will also consider – Provisional Licence, EU Licence, No Licence, CCJs and Defaults.
A reputable dealer is a dealer that has a good reputation and is trustworthy.
Signs of a reputable dealer;
– Positive reviews
– The vehicles look the part
– You can test drive the car
– They are knowledgeable
This is something we hear a lot, so don’t despair! At Motor Loans R Us, we understand that there can be lots of reasons for a poor credit profile. We combine a wide panel of 30+ lenders with a sensible approach to selection the right vehicle finance lender for your circumstances. This means that we may be able to approve you for vehicle finance where others haven’t been able to.
We are here to help our customers get their credit history back on track and get in the driving seat of an affordable, reliable vehicle. We understand the difficulties life brings, and that is why we look to provide options that offer affordable monthly payments to give you the flexibility to work within your budget.
Your poor credit history could be the result of CCjs, mortgage defaults, IVAs or bills that have been paid late. It could be that your self-employed, with no proof of income, or that you simply haven’t built up a credit history yet.
Whatever the reason we look at every case individually, without judgement – we aim to always find you the most suitable vehicle loan for your circumstances at a great rate. So even if you have been refused credit in the past get in touch as we may have a lender that could help you get your next vehicle.
The team at Motor Loans R Us have worked in the vehicle finance industry for over half a century. Throughout that time the team have supplied everything from Hymer Motorhomes to Ford vehicles and Ferraris. Our wealth of knowledge and experience within the industry means our customers applications are always placed with the most appropriate lender(s) to ensure the most competitive finance agreement based on their circumstances.
“Your vehicle is your story. So don’t let anyone else write it.”
We put you in control, choose your vehicle from any reputable dealer and choose the finance option that best suits you.
Typically a vehicle is the second biggest purchase you make aside from buying a house. When you take out a mortgage for the majority of cases you’ll use a mortgage broker to get the best deal.
Whilst a vehicle loan probably won’t be as big of a loan as a mortgage it is still a considerable amount of money so using a broker to find your perfect deal makes sense! As a broker, we can compare the top deals on the market and present you with the best options. We take your circumstances and requirements into account. Our extensive experience in the vehicle finance industry means we can help get you a finance deal that best suits your circumstances.
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