0191 5623231 0798 567 4046 info@afacarfinance.com
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WE ARE

Different

Dealing with AFA Car Finance means you deal direct. We’re a Car Finance company who looks at things a little differently to help all types of customers with all types of credit backgrounds.

How it works
WHAT WE OFFER

Affordable Plans for All

Based in the North East of England

Our managing director has more than 40 years’ experience in the motor finance industry, helping thousands of customers along their car finance journey in that time, and is a holder of the Certificate for Automotive Financial Specialists (CertAutoFS) – a specialised higher skill level motor finance industry exam, ensuring you receive the best possible advice and assistance specifically tailored to your own individual circumstances.
We understand that most people have some sort of glitches with their credit (who doesn’t these days!) so don’t worry about that. While we can’t say we can provide guaranteed car finance for everyone, we’re more than happy to look at things a little differently to get the best possible outcome for our customers!
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We Do

  • Look for ways to say “yes” to help our customers drive quality cars.
  • Offer finance packages for low mileage, good quality, affordable cars.
  • Offer a wide range of small, medium and large cars – whatever suits your needs.
  • Thoroughly check every car to make sure they’re not insurance write-off’s, they don’t have outstanding finance anywhere else, and they have not been stolen.
  • Include an MOT where applicable and a Warranty package with the deals.

We Do Not

  • Offer finance packages on sports or high-performance cars.
  • Offer finance packages on high mileage or unreliable cars.
  • Offer finance packages that are not affordable to you.

What We Need from You

You don't need to have a car already to get car finance, but if you do then we'd be happy to consider it as a part-exchange, which would help reduce your weekly or monthly payments!
We don't need much from you; but we do need to know that:
  • You can prove all of the income you regularly receive
  • You can prove who you are and where you've lived for the past three years
  • You (or your partner) have a current full UK driving licence
  • You can prove you can afford a monthly or weekly payment for a good quality, reliable car
  • You are not currently bankrupt, in any active IVA or Debt Management Plans, and you've not had any CCJs in the past 12 months. “If you need to answer no to this question we may still be able to help but we may require additional information following your application”.
If you can answer yes to these, we're well on the way!
Find a car finance plan for me

”Like it so far ? – Let’s talk”!

If you have all of the above, then let’s talk

For your peace of mind, we are authorised and regulated by the Financial Conduct Authority (FCA) as a Car Finance Lender and a Broker, we’re also registered with the Information Commissioners Office (ICO) so we can process and store all the personal data we require in a safe and secure manner.

AFA Car Finance are also approved by Specialist Automotive Finance (SAF) so you can be assured that you are receiving expert attention – individuals in the business have a good level of industry knowledge and successfully pass an annual Competence Test covering all aspects of vehicle financing.

Lets Talk

Opening Hours

Monday – Friday: 09:00am – 17:30pm
Saturday: 10:00am – 16:00pm
Sunday: Appointment only

Covered Areas

North East & North West of England, Scotland and Borders.

To read more about SAF click Here

North East & North West of England, Scotland and Borders.

Automotive Finance Associates Limited t/a AFA Car Finance is authorised and regulated by the Financial Conduct Authority to transact Car Finance as a Lender and as a Broker to ensure the best possible outcome for all of our customers. Applicants must be over 23 yrs of age, all finance is provided subject to status and income. Terms and conditions apply, written quotations available on request.

REPRESENTATIVE EXAMPLE:

Cash Price £4895.00 – Deposit (Cash and/or Part Exchange) £250.00 – Amount of Credit £4645.00 – Documentation Fee £495.00 – First Monthly Payment of £219.15 (£50.57 Weekly Equivalent) – Followed by 40 Monthly Payments of £219.15 – Followed by 1 payment of £249.15 which includes a £30.00 Option to Purchase Fee.
Rate of Interest is 25%pa Fixed – Total Charge For Credit £4589.30 – Total Amount Payable (including deposit and Documentation Fee) £9484.30 – REPRESENTATIVE APR 54.6%.