Q Finance

In partnership with Q Finance

Car Finance
Made Simple

Flexible finance solutions available on our vehicles — designed to help you drive away in the car you want, with payments tailored around your budget.

Apply Now Explore Finance Options

Flexible Finance

Flexible finance solutions available on our vehicles

At Q Finance, we work closely with our customers and trusted dealerships to help make purchasing your next vehicle simple, affordable, and stress-free.

Whether you are looking to upgrade your current car, spread the cost of your purchase, or secure a more manageable monthly payment, our finance solutions are designed to help you drive away in the vehicle you want with payments tailored around your budget.

With a range of flexible finance packages available, including zero deposit options on selected applications, we aim to help make vehicle ownership more accessible than ever.

Apply for Finance Online Today

Applying for finance through our website is quick, secure, and straightforward.

  • Use the main Apply Now button on our website
  • Apply directly from an individual vehicle advert
  • Receive tailored finance options based on the vehicle you are interested in
  • Apply from the comfort of your own home
  • Save time at the dealership

Each vehicle advertised on our website includes its own dedicated finance application button. Once your application is submitted, our finance team will work to help find the most suitable finance package available for your circumstances.

The Benefits

Why Choose Car Finance?

Vehicle finance is now one of the most popular ways to purchase a car in the UK, giving customers greater flexibility and affordability when buying their next vehicle.

Spread the Cost

Rather than paying a large amount upfront, finance allows you to spread the cost over fixed monthly payments, helping make budgeting easier.

Drive a Better Vehicle

Finance can often allow you to access a newer vehicle, higher specification model, or lower mileage car than you may have considered when paying outright.

Keep Your Savings Available

Instead of using all of your savings on one purchase, finance allows you to keep money available for other important expenses or emergencies.

Flexible Deposit Options

Selected finance agreements may be available with zero deposit, helping you secure your next vehicle without needing a large upfront payment.

Fixed Monthly Payments

Many finance agreements include fixed monthly payments, giving you confidence and clarity throughout your agreement term.

Upgrade More Regularly

Many customers choose finance because it gives them the flexibility to change their vehicle more frequently and enjoy newer models more often.

Available Products

Finance Options Available

Choose the agreement that works best for you.

Option 1

Hire Purchase (HP)

Hire Purchase is a simple and straightforward way to finance a vehicle.

  • You may pay a deposit upfront, although zero deposit options may be available
  • The remaining balance is spread over fixed monthly payments
  • Once all payments are completed, the vehicle becomes yours
  • There is no large final balloon payment

HP is often ideal for customers looking for a clear path to ownership with fixed repayments.

Option 2

Personal Contract Purchase (PCP)

PCP finance can provide lower monthly payments compared to traditional finance agreements and offers additional flexibility at the end of the agreement.

  • You pay fixed monthly instalments over an agreed term
  • An optional final payment may be available at the end
  • At the end of the term you can keep, return, or part exchange the vehicle
  • We can also provide bespoke PCP quotations on request

PCP quotes can vary depending on residual values, annual mileage, deposit amount, and term. We are happy to provide tailored illustrations designed around your individual driving needs.

Q Finance

Why Use Q Finance?

We aim to make vehicle finance simple, transparent, and customer-focused.

Competitive Finance Packages

We work with a panel of lenders to help find competitive finance options for a wide range of customers and budgets.

Quick & Simple Application

Our online finance application process is designed to be fast, easy, and secure.

Tailored Finance Solutions

Every customer is different, which is why we aim to provide finance solutions tailored around your individual circumstances.

FCA Regulated

All finance arrangements are fully FCA regulated, helping ensure that finance is offered responsibly, fairly, and transparently.

Professional & Friendly Support

Our team is here to help guide you through the process and answer any questions you may have throughout your finance journey.

Here to Help

From application to handover, our team is on hand to make the finance journey easy and clear.

Start Your Finance Application Today

If you have found the perfect vehicle on our website, you can apply directly from the vehicle advert or use our main Apply Now button to get started. Our team will then work with you to help find the most suitable finance solution available for your needs.

Drive away sooner with flexible finance solutions from Q Finance.

Apply Now Browse Our Stock

Dealer Finance Partnerships: Our dealership partners may receive a commission from finance agreements depending on the lender, agreement type, finance rate, and term selected. This does not affect our commitment to treating customers fairly and providing clear and transparent finance solutions at all times.

What our customers say about us

Our Reviews

I cannot praise this establishment highly enough, the owner, Tony Bilham, was very patient and helpful to me regarding the purchase of an excellent VW Golf GTD. The questions I asked were answered promptly and politely, the advice given was second to none. He went beyond and above my expectations in his preparation of the car, even fitting a new battery because and I quote “it felt a little sluggish on start up this morning”. Excellent experience, fabulous customer service, superb from the moment of first contact through to the collection of the car. Highly recommended to all, and would definitely use for purchase of another vehicle.
— Ian
I bought my first car from this company about 5 months ago and had a great experience from start to finish. Tony was absolutely brilliant — friendly, patient, and easy to talk to. He took the time to explain everything clearly and never made me feel pressured, which really helped as a first-time buyer. The whole process was smooth and stress-free, and even months later I’m still really happy with my car. I’d definitely recommend this company to anyone looking to buy a car.
— James
We had a brilliant experience at The Garage at Stanley Mills from start to finish. Viewing the Hyundai i10 that we were interested in was easy. Tony left us to look over the car in our own time. The test drive was totally relaxed and afterwards Tony answered all the questions we had. One week later we collected our car, paperwork was ready and everything finalised. It was a totally relaxed, hassle-free experience. We would highly recommend this Garage.
— Jo Payne
Having bought many cars over the years, I can honestly say that buying my car from Tony Bilham at The Garage, Stanley Mills, Bingley, has been one of the best experiences I’ve ever had. From the moment I first met Tony I felt I was dealing with someone who genuinely values his customers. He was friendly,knowledgeable,patient, and never once put me under any pressure. Everything was explained clearly, and I had complete confidence that I was buying from someone I could trust. What impressed me most was the exceptional level of customer care. Tony went far beyond what I expected. He bought and fitted my personalised number plates, sourced and supplied a spare wheel and tyre because the car had never been fitted with one,completed all the paperwork to transfer everything over, and when I arrived to collect the car, he said the battery didn’t sound as though it was at its best. Rather than taking any chances, he fitted a brand-new battery before I drove away. Every one of those things was done without charging me a penny extra. That kind of service is incredibly rare these days and says everything about the way Tony runs his business. It’s easy to sell someone a car It’s much harder to earn their complete trust and confidence. Tony did exactly that,and I drove away knowing I`d made the right choice If you’re looking for a quality used car and want to buy from someone who is honest, trustworthy, and genuinely goes above and beyond for his customers, I cannot recommend Tony Bilham and The Garage at Stanley Mills enough. Thank you , Tony it has been an absolute pleasure doing business with you. You have certainly gained a customer who will happily recommend you to family,friends,and anyone looking for a first class car-buying experience
— Anthony Boyes
Restored my faith After a bad experience elsewhere it was reassuring having an open and honest discussion about the car. Tony made the whole process easy and relaxed without any hard sell or pushiness. The fact the car was in great condition and Tony was honest about a little issue he was going to get resolved gave me further confidence I was getting an honest picture. Absolutely would recommend this place.
— Simon
“ My experience at The Garage at Stanley Mills was memorable because , Tony was very easy to deal with, his knowledge of the car I ended up buying was second to none, he even went out of his way for me to view the car and although I was not going to part exchange my old car, Tony offered a price I was more than happy with, when it's time for a change, I will be back to see Tony. ”
— Mr Crossley
“ I would recommend The Garage at Stanley Mills to friends and family because - specially picked choice cars for sale, great range. ”
— Mr Leach
“ The experience at The Garage at Stanley Mills was great because Tony was professional in all aspects. The car was immaculate, fully serviced and I was given free access to test drive. The buying and collection of the car was easy and at my convenience. Tony sources quality used cars and I fully recommend his services ”
— S Fox
“ The Garage at Stanley Mills were great because Tony was very accommodating and helpful, gave honest and straight answers to questions. No hard sales, just a relaxed and friendly dealership. I would highly recommend this dealer. ”
— Mr Morrow
“ The Garage at Stanley Mills were great because they were very professional, friendly and informative. Delivered my new car within a couple of days and sorted all the paperwork out for me. ”
— Mrs Lockett
Q Finance

Finance your dream car with confidence

Your trusted partner for flexible and competitive car finance

Competitive Rates

Access market-leading interest rates tailored to your circumstances

Quick Approval

Fast decision process with same-day approval available

Flexible Terms

Choose from various payment terms to suit your budget

Personal Service

Dedicated finance specialists to guide you through the process

How We Can Help

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