Employee & Personal Car Finance

Car finance in your own name - Proactive Vehicle Finance also help private individuals (including self employed) obtain car finance in their own names too. Perhaps you have a company car allowance and are looking for help financing a new, nearly new or used car at a competitive rate. You may be looking to finance a classic car, a sports car, a horsebox, a double cab pickup or simply looking to buy and finance a car to avoid public transport or car sharing. The possibilities are endless.

Lenders - With a diverse panel of banks and specialist lenders we can help you get car finance quickly and easily with friendly and professional help at each stage of the process. We have banks and lenders who offer Hire Purchase, PCP and Lease Purchase as well as lenders who cater for customers with lower credit scores (finance is subject to status). From a simple application you gain access to our broad panel of banks and specialist lenders without having to apply multiple times to each one. We’ll then arrange for the dealer to be paid once all documents are signed and checked, leaving you free to arrange collection or delivery.

How it works - The process is straight forward. From a simple car finance application we aim to establish an approval in principle with a lender from our panel offering the lowest rate for your credit circumstances. From there we advise on a credit limit so you can find a suitable car at a reputable dealer close to home (subject to our dealer checks). You’ll get friendly, professional service so you can rest assured you’re in safe hands. Our lenders can even offer no deposit car finance in a lot of cases too (subject to status and underwriting). Our online car finance calculator is below.

We're a company that care and put the customer at the heart of everything we do, and remember, we don't charge any admin fees for our service either. We hope that, through excellent service, many enquiries will come from recommendations and word of mouth.

Our service - There is no fee for our service and we provide:

Access to our online vehicle finance calculators.
Access to our credit application and eligibility check.
Access to a range of high street banks and other specialist lenders.
An approval in principle service, so you can then find your specific vehicle knowing you've already been pre-approved for finance. Use the acceptance to buy a vehicle from any reputable dealer near you without having to re-apply.
A dedicated relationship manager service to guide you through the quotation, application, vehicle search and collection/delivery process.
Future client support.

What's the catch? There isn't one, this is how it should be. Our aim is to build long and lasting relationships with our business and private customers, it's as simple as that.

Click here to see Google & Trustpilot reviews from our other customers.

FINANCE CALCULATOR BELOW

**Don't forget to bookmark this page in your web browser for future reference.**

How do I use the vehicle finance calculator?

Our finance calculator will help to give you an idea of what your monthly payments might look like for the price of vehicle you're looking to buy.

Step 1 - All you need to do is enter the price of the vehicle (inc VAT for vans) at the top.
Step 2 - Choose how long you’d like to pay the loan back over.
Step 3 - Adjust your total deposit amount (this can be made up of either a cash deposit, a part exchange value or a combination of both).
Step 4 - Then select your anticipated credit score.

The finance calculator will then provide an estimate of your repayments.

How do I use the finance calculator if I already have a payment in mind?

If you already have a budget in mind just enter your anticipated credit score first, then simply adjust the price of the vehicle, deposit and repayment period until you hit your payment. This will provide an indication for the price of vehicle you may need to look for.

Please note: The vehicle finance calculator is designed to give you an estimate of how much you could expect to pay each month based on the terms you select. The rates and payments quoted can change based on your individual circumstances, the lender from our panel that approves you, and the type, age or mileage of vehicle you choose.

I've worked out my payments, how do I check if I'm eligible for the quote?

While the finance calculator can give you a good indication of what your monthly repayments might look like, everyone’s credit circumstances are different and finance is subject to status.

To find out whether you could be approved in principle for finance, simply complete our quick application form by clicking the appropriate "Apply Now" button at the bottom of the calculator for either a business or a private individual and, if approved, one of our team will give you a call to talk you through the next steps.

Rates from just 9.9% APR.
(The exact rate you will be offered will be based on your individual circumstances)

Representative APR 17.2%.

Representative example:

Borrowing £11,000 over 4 years with a representative APR of 17.2%, an annual interest rate of 17.2% (Fixed) and a deposit of £0.00, the amount payable would be £311.61 per month, with a total cost of credit of £3957.28 and a total amount payable of £14957.28.

Rates may differ as they are dependent on individual circumstances, the lender you are approved with and the vehicle/equipment purchased.

(Click here to find out what a Representative APR & example is)

Finance is subject to status.

Warning: Late payment may impact your credit file and the lender may reclaim the vehicle or equipment financed prior to the end of the term of the agreement.

Company Information
Proactive Vehicle Finance is a trading name of Proactive Vehicle & Equipment Finance Ltd, registered in England & Wales under company number 12688016. Registered office address: Whitfield Business Hub, 184-200 Pensby Road, Heswall, Wirral, CH60 7RJ. Proactive Vehicle & Equipment Finance Ltd is authorised and regulated by the Financial Conduct Authority under FRN 930768. You can check our registration via their website: https://register.fca.org.uk/ We are registered with the Information Commissioner's Office under ICO registration ZA787680 and our VAT registration number is GB362252907

We are a credit broker not a lender and can introduce you to a select number of finance providers who may be able to offer you a credit facility for your purchase. We will only introduce you to these lenders and we will receive a commission from the lender, calculated either as a percentage of the balance financed or a fixed amount, if you decide to enter into an agreement with them. The commission we receive from the lender will not impact the amount that our retail customers/consumers pay under an agreement but may impact the amount that our corporate customers pay under an agreement we arrange.
Finance is subject to status, terms & conditions and you must be a UK resident aged 18 or over in order to apply. Guarantees and indemnities may be required.
All calls are recorded for training and quality purposes.

Employee & Personal Car Finance

Car Finance Calculator

How do I use the vehicle finance calculator?

How do I use the finance calculator if I already have a payment in mind?

I've worked out my payments, how do I check if I'm eligible for the quote?