Car Finance

At Witney Used Cars we are pleased to offer our customers the option to buy their car on finance today. To help you buy the car of your dreams, we provide affordable, convenient and flexible finance solutions for used cars.

We are an Approved Finance Dealer with Close Brothers Motor Finance. Close Brothers Motor Finance is a specialist motor finance provider providing finance solutions for new and used cars, motorbikes and vans across the UK and Ireland. As a responsible lender, they are committed to lending in a responsible way and to delivering excellent customer service. Therefore, they are the preferred finance provider for Witney Used Cars.

One of the major advantages of sourcing your car finance through an Approved Finance Dealer is convenience. With just a few personal details we can make an application for car finance and give you an instant decision. Close Brothers Motor Finance offers affordable rates and regular payments to suit your budget. Terms available over 12 to 60 months and for amounts from £1500 upwards.

*Finance is available subject to status to UK residents aged 18 years and over. Indemnities may be required.

6 reasons to consider finance with Witney Used Cars

  1. Affordable fixed rate payments
  2. Simple application process
  3. Quick and easy to arrange
  4. Flexible to suit your budget
  5. Keep your savings in the bank
  6. Leave your credit lines open

Why choose an Approved Close Brothers Motor Finance?

You can choose the right finance option to suit you and as a Close Brothers Motor Finance customer enjoy a range of added benefits:

  • Peace of mind - Our commitment to provide the highest quality service and ensure each customer's complete satisfaction
  • Quick and easy - You can have a decision on your finance application within minutes and drive a car away the same day
  • A name you can trust - Close Brothers Motor Finance has built an enviable reputation as a car finance company you can trust
  • Keeping it simple - Instant decisions and a hassle-free, transparent approach

Close Brothers Motor Finance is one of the leading independent motor finance providers in the UK. With more than 30 years’ experience of the motor finance market, Close Brothers Motor Finance helps you find the best plan to finance your car.

Finance FAQs

Get answers to the most commonly asked questions about Witney Used Car finance. Tap or click a question to show or hide its answer.

How do I apply for finance?

Within the Witney Used Cars website you can configure a financing deal on the car you're interested in and calculate the monthly and total loan repayment cost of your car finance. To discuss the options available for financing your next car or to make an application, simply contact us or call into our showroom. We are often able to arrange your finance while you wait.

How much can I borrow?

Subject to satisfying normal credit criteria, and taking into consideration the affordability of the loan Close Brothers Motor Finance will lend up to the full amount of the vehicle being purchased, although in certain circumstances they may require you to contribute a deposit.

How much deposit would I need?

We do not specify a deposit as a fixed percentage of the total loan. Instead we treat each customer differently according to what they can afford. We will be able to advise you on this and propose a finance deal to suit your circumstances.

Over what period of time can I take my finance?

We provide a variety of terms, from 12 to 60 months, dependent upon the finance plan you have chosen.

How much will my finance cost?

Your fixed monthly payments will be agreed between yourself and Close Brothers Motor Finance at a rate you are happy with. Monthly payments vary depending on how much you want to borrow, the size of your deposit and the loan period (usually between 12 – 60 months).

What interest rate do you charge?

Interest rates change every so often and we will be able to provide you with the most competitive rate according to your circumstances at the time you arrange the finance for your vehicle. Your interest rate will then be fixed for the duration of your finance agreement so you’ll know exactly how much you’ll pay each month.

What fees do you charge?

Our standard fees are: Finance Facility Fee £125 and Option to Purchase Fee £95. However, these fees may vary dependent on the term and amount financed.

How old do I need to be to apply for a loan?

You must be at least 18 years old to enter into a finance agreement under UK law.

What information do I need to provide to Close Brothers Motor Finance when applying for finance?

In order to validate your identity, you will need to provide a full UK, or EU driving licence, with both photo-card and counterpart sections. In addition, a proof of address will be required – acceptable proofs of address are: a bank or credit card statement, utility or council tax bill, mortgage statement (all dated within the past three months) or your current vehicle's trade-in V5 document.

Do you need to know my salary or outgoings?

We can discuss with you the affordability of the loan, and in some instances, we will ask you for further information to support this if required. The only personal details we need from you to be able to process your finance application are your name, date of birth, contact and employment details and details of the bank account you would like us to set up the direct debit for.

Do you carry out a credit search?

Yes, Close Brothers Motor Finance use information from major UK credit reference and fraud prevention agencies within their underwriting process. If you wish to obtain further information on how finance companies carry out credit scoring, the Finance and Leasing Association provide a consumer guide – you can find this at www.fla.org.uk.

How long will it take to process my finance application?

In most cases, we will be able to obtain an online decision from Close Brothers Motor Finance within minutes.

What happens after I've signed my finance agreement?

We will give you a copy of your finance agreement and the original will then be sent to Close Brothers Motor Finance for processing. Once we have set up your account, you will be sent a letter confirming that your agreement has been executed by Close Brothers Motor Finance.

Why do I have to comprehensively insure my car?

Comprehensively insuring your car protects you, Close Brothers Motor Finance and any other party involved in an accident. Should you write-off your car without insurance you will still be liable to repay your loan.

What if I want to sell the vehicle?

You do not own the vehicle until the end of the contract with Close Brothers Motor Finance, which means you cannot sell the vehicle during your agreement without their prior approval. If you want to sell the vehicle you must first settle the loan in its entirety to become the legal owner.