0114 698 1430
sales@gtautomotivegroup.co.ukCheck your car finance eligibility
Soft search, won’t affect your credit score. Takes about two minutes, no obligation.
Get a Finance Quote
Tell us a few details and we’ll check your eligibility with our panel of lenders across PCP, HP and Conditional Sale, then come back to you with your options.
How it works
Check your eligibility
Run a soft search in minutes. It won’t affect your credit score, and there’s no obligation.
We check with our lenders
We send your details to our panel of lenders and come back to you with the finance options available.
Pick your car & confirm
Choose a car from our stock to get an exact quote for that vehicle, then complete your application.
Soft Search Only
This is a soft search · it will not affect your credit score.
Fill this in and we will run a soft search with our finance partners to find the best deal for you. A soft search leaves no mark on your credit file, so checking is completely free and risk free.
It takes about three minutes. Fields marked * are required.
Thank you
We have received your details and our finance team will run the soft search and come back to you shortly, usually the same working day.
Need us sooner? Call the team on 0114 698 1430.
Why choose GT Automotive for your finance
Finance questions, answered
Will checking affect my credit score?
No. The eligibility check is a soft search, which doesn’t leave a mark on your credit file or affect your score. A full application later may involve a hard search.
What if I’ve been refused finance before?
It can still be worth checking. We work with a panel of lenders who consider a range of credit histories, and approval depends on your individual circumstances.
Do I need to choose a car first?
No, you can explore indicative figures here first. For an exact, personalised quote, pick a car from our stock and use the calculator on its listing.
How soon could I drive away?
Once your finance is approved and the paperwork is complete, we’ll arrange collection or home delivery. Timescales vary by lender and vehicle.
What is PCP (Personal Contract Purchase)?
With PCP you pay a deposit and lower monthly payments across the term, because a large part of the car’s value, the optional final payment (sometimes called a balloon payment), is deferred to the end. At the end you choose one of three options: pay the final payment to keep the car, hand the car back, or part-exchange it.
Tends to suit
People who want lower monthly payments and like to change their car every few years, and who are comfortable with annual mileage limits (going over them can mean an excess-mileage charge).
What is HP (Hire Purchase)?
With Hire Purchase you pay a deposit and then fixed monthly payments that spread the full cost of the car over the term. Once the final payment is made, the car is yours. There’s no large balloon payment at the end. Monthly payments are usually higher than PCP for the same car.
Tends to suit
People who want to own the car outright at the end and keep it long-term, and who don’t want to worry about mileage limits.
What is Conditional Sale?
Conditional Sale is very similar to Hire Purchase: you pay in fixed monthly instalments and own the car once all payments are made. The main difference is that ownership transfers automatically at the end of the agreement, and there’s typically no separate option-to-purchase fee.
Tends to suit
People who, like HP buyers, want straightforward ownership at the end of the term.
Representative example. Figures shown are based on a representative used vehicle (priced at £20,000) and are for illustration only; they are not a personalised quote and do not constitute an offer of finance. Each vehicle in stock has its own finance calculator on its listing. Your actual rate depends on your circumstances and lender approval. GT Automotive Group Ltd is a credit broker, not a lender, and is an appointed representative of ITC Compliance Limited, authorised and regulated by the Financial Conduct Authority (FRN 313486).