Spalding Car Sales Ltd

Vehicle Finance

Let us find the right deal for you

Car finance in Spalding, Lincolnshire

We offer highly competitive, tailored finance options to get you into your next car.

With our excellent range of finance options you can own your ideal used car. Purchasing and owning you next car is easy with our very competitive car loans from 7.9% APR. Our carefully selected finance deals make it easy for you to purchase the car you want. We offer fantastic finance deals on your chosen used car so don't delay simply click on the link below.

You may be looking to finance your first vehicle, upgrading your current one to a bigger or newer model or simply looking to purchase your dream car.

Our finance offers are transparent with fast decisions and are extremely easy to use.

There are no hidden costs and the rate offered is matched to your own personal circumstances with rates starting from 7.9% APR.

Once you have chosen which form of funding best suits your needs, we can arrange the loan immediately, we usually require a lot less information than most high street lenders and our finance packages can be to your requirements.

You needn't worry about using all of your available funds for your new purchase, as our finance packages leave other credit requirements undisturbed as the loan is secured on the vehicle, leaving your bank free for future emergencies and opportunities.

Personalise your motor finance. Rates from .
11.2% Representative APR
Representative example: Cash Price £9,999.00. Deposit £1000. Total Amount of Credit £8,999.00. First payment of £0.00. Followed by 59 Monthly Payments of £186.18 with a final payment of £187.18 which includes an Option to Purchase fee of £1.00. Duration of Agreement is 61 months. Total Amount Payable is £12,171.80. Total Cost of Credit is £2172.80 Annual Fixed Interest Rate of 4.75%.
Apply online Our Process

What is dealer finance?

What is PCP?

Motion Finance

Alphera Finance

Motonovo Finance

Evolution Funding

Our Finance Process

Step 1

Browse our stock page for the car that best suits your needs and once you have found your dream car you can apply directly from the comfort of your home without the need to speak with one of the team here at Spalding Car Sales Ltd.

You can do this by clicking the green "Finance" button on the car's listing page:

View our stock

Step 2

Complete Self Serve - If you prefer to ask one of the team a question or have a personal quote emailed to you, we can do this also. Simply give us a call on 01775 722236 send an email to [email protected] once you have chosen a car. After receiving the link we email back to you, you can then alter the deposit, loan term and mileage to your needs. Once happy you can also then complete your application remotely with no pressure from us via the same link giving you time to make the right decision for you.

Step 3

After applying you can then book an appointment with us to view and test drive the car and once you are ready we can then finalise the application on your behalf at the showroom.

Book your appointment

Interest Rates

The rates we offer start from 7.9% APR and the rate offered is personalised for each independent customer much like personal loans and mortgages.

Each car has a calculator to match your credit score, giving you confidence that our finance clear with no hidden fees.

Be rest assured that noone at Spalding Car Sales Ltd has any influence over the rate you are charged and you will always the best possible finance deal at any time.

Credit Rating

Motonovo uses several types of credit data to determine a customer's credit risk profile these include;

  • Used vs Available credit
  • Types of accounts you have
  • Payment history
  • Presense on the Voters' Roll
  • Amount of deposit for the car
  • Length of credit history


At Spalding Car Sales Ltd we are experts in car finance and to give you further peace of mind we have signed up to voluntary finance training developed by the Finance and Leasing Association - Specialist Automotive Finance.

SAF Approved

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