Private Customer
Find The Perfect Finance Package For Your Next Vehicle
Whether you're buying from a dealership or a private seller, Q-Finance can help you spread the cost with competitive finance tailored to you.
Apply For Finance NowSoft search first — no impact on your credit score
5 out of 5 stars
4.9 from 2,400+ Google reviews Read the finance guides →Finance Calculator
What could Hire Purchase cost?
Your illustration
- Amount of credit
- £14,000
- Illustrative APR
- 9.9%
- Total charge for credit
- £2,876.36
- Total amount payable
- £17,876.36
- 48 monthly payments of
- £351.57
Includes a £1 option to purchase fee. An illustration only — not a quote and not an offer of credit. Your rate depends on your circumstances and the lender. Finance is subject to status and income. Q-Finance is a credit broker, not a lender.
Q-Finance is a credit broker, not a lender. Our rates start from 8.9% APR. The rate you are offered will depend on your individual circumstances. Representative Example: Borrowing £8,000 over 60 months with a representative APR of 18.8%, the amount payable would be £200.34 a month, with a total cost of credit of £4,020.11 and a total amount payable of £12,020.11.
Ready to apply?
Find your perfect finance package
Our UK-based team are ready to help.
- Cars
- Vans & Commercial Vehicles
- Motorhomes & Campervans
- Motorcycles
- Caravans
- Supercars
- Classic Cars
The benefits
Why Customers Choose 
- Competitive finance packages
- Friendly UK-based advisers
- Flexible repayment options
- Fast application process
- Support from application to completion
- Finance for good & improving credit profiles
Anything on wheels
What Can I Finance?
Cars
Commercial Vehicles
Motorhomes
Campervans
Motorcycles
Classic Cars
Caravans
Horseboxes
Agricultural vehicles
Our lending panel
We only work with trusted lenders
A selection of our over 35 lenders
Simple 5-step journey
How It Works
- 1 Complete our online application
- 2 Choose your vehicle
- 3 We search our panel of lenders
- 4 Receive your finance options
- 5 Drive away in your new vehicle
Finance Options
Choose the product that fits you
From owning outright to lower monthly payments, we'll match you to the right agreement.
Own it at the end
Hire Purchase (HP)
Fixed monthly payments, then the vehicle is yours. Perfect if you plan to keep your vehicle.
Lower monthly payments
Personal Contract Purchase (PCP)
Lower monthlies with flexible options at the end — return, part-exchange or buy outright.
Buying privately?
Personal Loan
Buying from a private seller? Finance may still be available to spread the cost.
Why Q-Finance
Why Choose 
A finance broker built around real people, competitive lending and a genuinely simple process.
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Competitive Rates
Access a range of motor finance options from our panel of lenders.
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Soft Credit Search
Check your eligibility without affecting your credit score.
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Quick Decisions
Receive fast decisions from our lending panel.
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FCA Regulated
Borrow with confidence through an FCA regulated finance broker.
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Personal Service
Real people helping you every step of the way.
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Thousands of Happy Customers
Join the thousands who found their finance with Q-Finance.
Rated Excellent
Customer Reviews
5 out of 5 stars
“Fast and efficient. Great service”
sam tazey Google
5 out of 5 stars
“Q finance are by far outstanding ,maria my advisor if im using the right word lol, helped me go through multiple cars as to which ones would suit me best she took her time to explain everything including the process... every question i needed answering there was a fast response,,, communication skills and customer care are off the chart i found a car on the thursday/friday by monday afternoon i was driving home in my dream car there turn around is very quick and would 100% recommend i cant thank them enough and believe if u need a car this is the place ;)”
Damo Judge Google
5 out of 5 stars
“Great company, first class service and communication. Unbeatable deals!”
Richard Paisley Google
5 out of 5 stars
“Fantastic service from start to finish with our new vehicle. Eve kept us updated along the way and nothing was too much trouble. Our vehicle was due to be delivered between 9&12 and by 12:05 we had an email checking the vehicle was delivered and all was in order! Couldn't recommend higher. Thanks Eve and all at Quorum!”
David Scanlan Google
5 out of 5 stars
“Fantastic service!! Very quick and efficient. I found a pre owned car at a local main dealership. Q Finance smashed their interest rate out of the water. All signed and completed in 24 hours. We are now in our new car and saved £30 per month using Q rather then the dealership finance co. Thanks team Q-Finance.”
Chris Reynolds Google
5 out of 5 stars
“Well.. what fantastic people you have working there. I enquired about a car on the Saturday. The process was simple and a lovely man got back to me and helped me through the process. Nothing was ever to big or small to ask of him and talked me through the process. I received phone calls to say when things would be ready and sent through. I now get to pick my car up tomorrow. Not even 24 hours and I’m driving away in a brand new car from just enquiring. They aren’t pushy and work to suit your needs and budget. The man who worked alongside me was called Ian and what a great credit he is to your company. Many thanks and I will definitely recommend to family&friends.”
Rochelle Okane Google
In their own words
Customer video reviews
Buying my first car on finance
Financing a van for the business
Swapping a PCP at the end of term
Good to know
Frequently Asked Questions
Not answered your question? Get in touch on 0191 380 4680
Still have questions?
Our friendly UK-based team is here to help, six days a week.
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Finance Guides
Ready to apply?
Find Your Perfect Finance Package
Our UK-based team are ready to help.