Arranging Finance


We can help arrange finance for your next car, van or truck.

Introduction to Vehicle Financing

Finance is the preferred method for acquiring new cars and vans. It's also common for customers to finance used cars, as well as used vans.

Due to finance being such a popular way to buy a new vehicle, we want to make sure you fully understand finance and the different types of finance available. Evans Halshaw have a number of finance partners and are able to offer you a range of different financing methods. So, whether you're looking for a private or commercial vehicle, we will cover the various options for car finance and van finance.

Evans Halshaw is SAF Approved and we are regulated by the Financial Conduct Authority. Alternative Dispute Resolution (ADR) may be provided by the Financial Ombudsman Service (FOS).

Car Finance

Car Finance

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There are various ways to finance a car, but selecting the correct finance method for you should be easy, as it usually depends on the following:

  • Whether or not you would like to own the car at the end of the agreement
  • How much you would like to pay each month
  • If you have a good idea of your predicted annual mileage

Find out more about car finance, the different finance options available and the additional insurance products we offer to protect you from unexpected costs.

Van Finance

Van Finance

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There are multiple ways of financing a van purchase, including business contract hire, hire purchase, personal contract purchase and finance lease.

The finance solution you choose will largely depend on your individual preference and needs. You will need to consider whether you would like to own the vehicle at the end of the agreement and if you can limit your annual mileage.

Find out more about van finance, the different finance options available and the additional products we offer.

Frequently Asked Questions

Will I get accepted for finance?

Customers are more likely to get accepted for finance if they have a decent credit score. In addition to application details, financial lenders will use information from credit reports to determine whether to accept the finance application. Free credit scores can be accessed from companies such as Experian, Equifax and Transunion to give a rough idea of how likely lenders are to offer finance.

Am I too young to have a vehicle on finance?

Young drivers may find it more difficult to be accepted for finance if they have little or no credit history as lenders are unable to determine the ability of a customer to make repayments. There are a plenty of steps that can be taken to build credit scores or alternatively there is the option of getting a guarantor loan, allowing a parent of friend to 'guarantee' the debt will be paid back.

What if my circumstances change and I can't afford to pay my monthly payments?

Situations change and most lenders understand this. It's important to contact the lender immediately to discuss the circumstances with them. The Money Advice Service can be contacted for advice and support when dealing with debt.

Does paying monthly impact my credit score?

Paying monthly for a vehicle can actually have a positive impact on credit ratings, providing the monthly payments are paid in full and on time every month. However, falling behind on monthly payments could negatively impact credit scores which may make it difficult to obtain credit in the future.

Can you sell a car on finance?

At Evans Halshaw we can help settle the outstanding finance to enable customers to sell their car, find out more in our Can You Sell a Car on Finance? blog that explains the process.

Can you swap your car during a finance agreement?

Yes, you can and the process is simple. Take a look at our Can You Swap Your Car During a Finance Agreement? blog to find out what steps need to be taken to do this.

Can you terminate a finance agreement early?

Customers can 'voluntarily terminate' their agreement early but they will be required to hand the vehicle back to the finance company and pay, or have paid, at least half of the total amount owed.

What details and documents will I need when applying for finance?
  • Full name (and previous name if applicable)
  • Date of birth
  • Marital status
  • Residential status
  • Address history for the past three years
  • Bank details
  • Proof of identity (e.g. a valid UK passport)
  • Proof of current address (e.g. a utility bill dated in the past three months with full name and current address on it)
  • Valid, full UK driving licence

Alternative Dispute Resolution (ADR) Process

Who regulates us?

Pendragon Finance & Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA), 25 North Colonnade, Canary Wharf, London, E14 5HS. Pendragon Finance & Insurance Services Limited’s Financial Services Register number is 312666.

You can check this on the Financial Services Register by visiting the FCA’s website or by contacting the FCA on 0800 111 6768.

What to do if you have a complaint

If you wish to register a complaint regarding the sale of either a General Insurance policy or a Consumer Credit Agreement, please contact us either in writing to:

Customer Complaints Co-ordinator, Pendragon Finance & Insurance Services Ltd, Loxley House, 2 Oakwood Court, Little Oak Drive, Annesley, Nottingham, NG15 0DR or by telephoning 03333 239 255.

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service