Financial Solutions For All of Your Automotive Needs
Specialising in securing car finance for those with Bad Credit and Poor Credit Ratings.
About Us
Fluent In Finance
After 15 years of experience working on behalf of various prestige car dealerships we have realised that dealerships are often experts in selling cars, but not necessarily in funding them. At Brocar finance arranging a tailored finance solution to meet your needs is our priority. We leave the car dealerships to supply the car, whilst we supply the finance package. We pride ourselves in an honest, clear and efficient service designed to source the best funding solution for your needs.
Whilst many car buyers continue to fund their vehicle through their car dealership or bank, we work with some of the biggest lenders in the industry to offer competitive financial agreements and offer clients greater choice and flexibility.
Get Your Free Quote now and speak to one of our expert financial consultants.
Why Brocar?
Save Time and Effort
We will take the hard work of analysing the market of car finance out of your hands, by comparing our selected panel of lenders to find you a cheaper finance solution than what may be available from the dealership.
Professional Customer Service
Your dedicated account manager will be knowledgable, diligent and efficient whilst presenting information to you in an easy to understand and friendly manner.
In Safe Hands
Years of industry experience combine to deliver our clients essential benefits.
What our Customers Say
So quick and easy with Brocar! I couldn’t be happier now!
I cannot thank Marcus enough for the five star service from start to finish.
Wholeheartedly recommend! The service, the communication and customer service are second to NONE!
Found my new car reached out to Marcus and he turned it all around within 2 days for me. I will for sure be recommending my family and friends to him.
After being referred to Karel, I had my dream bike the next week! Amazing service, top bloke! Very helpful and considering throughout. 100% recommended!
How Brocar Works
Find Your Car
Once you have set your sights on the model you want, our team will explore possibilities to ascertain what funding option may suit your lifestyle.
Apply for your finance
When we have tailored your finance solution, the next step is to apply to the selected lender for a quick decision.
Take Delivery
Upon approval, we pay the dealer, you take delivery of your vehicle. It really is that simple!
Finance Options
Automotive finance can seem complicated. There are a few key products designed to suit different buying needs. We can help you to understand the options available. Please refer to our Finance Suitability Questions for further information.
Personal Contract Purchase
- Personal Contract Purchase, commonly referred to as PCP, can be best described as a long term rental where customers can use their vehicle until the end of their agreement, before deciding whether they want to keep their vehicle or not.
- The flexibility, lower monthly payments and guaranteed minimum future value (GMFV) are all reasons why this is an increasingly popular option.
- At the end of the agreement there are three options for you to choose from: pay the GMFV (including any option to purchase fee) and take ownership of the vehicle, hand back the vehicle subject to condition and mileage or part exchange the vehicle for another one, where you can use any equity you may have along with a deposit if required. You should also be aware that you may have to cover any shortfall.
Hire Purchase
- Hire purchase has been a very popular way for customers to fund the purchase of their vehicles.
- Hire purchase is a fixed cost loan secured to the vehicle.
- You will usually pay a cash deposit, part exchange a vehicle or both and make monthly payments typically between 24 or 60 months.
- At the end of the term you will pay a small option to purchase fee and the ownership of the vehicle will be yours.
Refinance Your Car
- The cost of living crisis has played its part in the increased uptake of this funding method.
- Whether you’re at the end of your agreement and want to keep your car, hoping to reduce your monthly outgoings or you want to take steps towards ownership of your vehicle, this could be an option worth exploring.
- You would essentially be taking out a new finance agreement and settling any finance you may currently have, which can lower monthly payments or reduce the remaining term of finance.
Lease Purchase
- Lease Purchase is often compared to Hire Purchase, the main difference between the two agreements is that Lease Purchase agreements have a balloon payment.
- This can make it a preferred method of funding for customers where the priority is keeping their monthly payment low.
- The finance company will use information you provide such as, the term you would like the finance over and what mileage you plan to do on the vehicle to set a balloon payment - based on the expected value of the car at the end of the term. You can then pay a lump sum to clear the balloon payment and keep the vehicle or use it as part exchange against another.