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 or Commercial.

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 9.9% 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 arranged on the same day.

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.


Here is a list of things you will require in order to apply:

  • You must be 18 years old or more
  • You must have a bank or building society account and have the sort code and account number to hand. (This must be your own.)
  • You must be a permanent UK resident -- and able to provide full 3 year address history in the UK.
  • You must be in permanent paid employment or retired with a pension -- and be able to provide 3 year work history. (We can also consider Part-time if you work a minimum of 16 hours per month.)
  • Be able to provide your annual income
  • Have a valid email address you have access to
  • Have a Full UK or EU driving license
  • You must be the registered keeper of the vehicle and keep it in your possession for the term of the agreement. You cannot obtain motor finance in your name for someone else
  • You must have fully comprehensive insurance

It's comforting to know exactly what you will be paying each month for your new vehicle. All of our finance packages are agreed with a fixed interest rate and a fixed monthly payment. As we work with some of the best in the industry you have the confidence that you are dealing with one of the biggest names for finance in the UK.

Why Do Our Customers Choose Car Finance

  • Enhanced Consumer Protection
  • Fixed Monthly Payments
  • Flexible Deposits
  • Keep Your Savings For Future Plans
  • Freedom To Settle Early, In Full Or Partially Without Penalty

When you are ready to apply for finance you have the following options available to you:

1. Browse our stock page for the vehicle that best suits your needs and once you have found your dream car you can apply remotely from the comfort of your sofa via your mobile, tablet or computer without the need to speak with one of the team here at KT Cars Ltd. To do this simply click on -- Apply For Finance - found in the details page of the vehicle listing and follow the simple instructions:

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2. Self Serve - If you prefer to ask one of the team any questions or would like a personal quote emailing to you we can do this also. Simply give us a call on 01536 660181 send an email to once you have chosen a vehicle. Using the link we email you -you are able to change deposit value, loan term and mileage to suit your needs. Once you are happy you can also complete your application remotely under no pressure from us via this link giving you time to make the right decision for you.

The email you receive will look like this:

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3. Book an appointment with us to view and test the vehicle and if at this point you are ready we can complete the application on your behalf here at the showroom.

Interest Rates

The rates we offer start from 9.9% APR And the rate offered is personalised for each independent customer in very much the same way personal loans and mortgages work. The finance example with each car has a calculator you can use to match the rate to your own credit score as you can see in the example below. This should give you the confidence our finance is both transparent and clear with no hidden costs. We hope you are also comforted knowing that no one at KT Cars Ltd has any influence over the rate you are charged and you can rest assured of the best finance deal first time, every time.

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Credit Ratings Explained

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Our Qualifications

We take all things finance seriously here at KT Cars Ltd 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.

(The FLA is the leading trade body for the motor finance, asset finance and consumer credit industries in the UK. Last year, FLA member finance companies provided £141 billion to consumers and businesses, including £48 billion for the purchase of vehicles. The FLA introduced Specialist Automotive Finance (SAF) in 2007 to help raise the standard of car finance information provided in showrooms for the benefit of car buyers. SAF is funded by FLA member finance companies.)

All of our customer facing sales staff have committed to sit an annual test for competency to ensure our knowledge is kept up to date and you receive the best advice regarding funding your purchase. SAF Expert certificates are proudly hanging in our showroom -- look out for them when you decide to visit. Further evidence of this achievement is our dealership is subsequently awarded SAF Approved Status every 12 months.


Our Credentials

Our Company Number: 8146288

Our VAT Number: 160613438

KT Cars Ltd is authorised and regulated by the Financial Conduct Authority and our Firm Reference Number (FRN) is 765518. All finance is subject to status and income. Written Quotation on request. We act as a credit broker not a lender. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase. We are only able to offer finance products from these providers.

(You can verify this on the FCA's website or by contacting the FCA on 0300 500 8082)

How to apply for finance on your new car in 4 easy steps

  1. Select your desired vehicle from our showroom page.
  2. Build your custom finance package using the finance calculator.
  3. Click the apply button.
  4. Complete the finance application and one of our team will contact you directly.
Apply for finance