Important Message
CORONAVIRUS UPDATE, Firstly we hope you are all safe and well. We are now fully open and can offer test drives and face to face viewings, however if you are looking to purchase but don't want to visit us we are still offering either home delivery or click and collect so everything can be done via the internet and telephone. Once the process is complete we can deliver your car to your home. Just apply online and we will be in touch. Stay safe !!

Finance Specialists

Finance Specialists

YCC Cars have a dedicated team of finance experts waiting to help with your enquiry.

We have relationships with high street lenders and specialist motoring finance houses too, that is why we have helped hundreds of customers secure the best finance deal for their budget.

Our expertise with finance means that even if you have a poor credit rating we can help arrange finance for you.

Quick Application

Complete our simple to use online form below and once submitted, we will get back to you as soon as possible.



If you are looking for car finance then the team at YCC can help. We have years of experience in sourcing and arranging finance deals for our customers, all from different walks of life.

There are different finance options to choose from such as personal contract purchase, hire purchase and bad credit car finance, here is a rundown of them for you.

Personal contract purchase will typically require a deposit at the start of the agreement and you will have fixed payments every month for the length of your term. At the end of the agreement, you are likely to have a few different options which will have been detailed in the contract. These could be; handing the car back to the finance company, using the car as a downpayment on another finance agreement, or paying the balloon payment and keeping the car.

Hire Purchase is similar to personal contract purchase but at the end of the agreement, you will own the car. There may be additional payments and fees required but these will be laid out in your contract before you sign for it. The payments each month are often higher due to you owning the car at the end of the agreement.

Bad credit car finance is a good option for those who have been unable to obtain car finance or have had problems in the past. This is a way in which lenders work with you to get you into a car, despite financial difficulties in the past, such as CCJs or bankruptcy.

There are many more options available and at YCC, we work with every customer and application individually to find a solution that works for you. Finance is not the right option for everyone and if we believe this to be the case, we will advise you on this. Our team are experts with years of experience and so, they will do their best to get you into your next car with finance.