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Used Car Finance

Purchasing a quality Approved Used vehicle at Croyland Car Megastore is simple and affordable, particularly when you take advantage of our flexible finance options. We are an independent company, and our contacts include a wide range of trusted lenders offering competitive deals. In this way, we can always offer a tailored, cost-effective car finance plan to suit you.

Croyland Car Megastore is a relaxed and enjoyable environment in which to find your next vehicle. You will be welcomed by our friendly and approachable team, all of whom have an expert knowledge of our range. Call or visit to arrange an appointment and there will be a member of staff available to guide you through finance alternatives. We are committed to helping you find a deal that suits your requirements and personal circumstances.

When using finance to purchase a car, you should consider whether you want to trade in your existing vehicle to claim the part-exchange value. Depending on the current worth of your car, it may form a substantial part of the investment in your next vehicle. Setting a budget for your advance deposit is important, as is deciding how many monthly payments you are prepared to make and at what rate. Your annual mileage will also be taken into account for most car finance agreements.

Contact Croyland Car Megastore in Rushden to explore the hundreds of high-quality Approved Used vehicles we have in stock and the various finance options we offer. Call or visit to speak to a member of our friendly team directly. You can also send the online contact form outside of our listed opening hours, and we will get back to you as soon as we can.


Frequently Asked Questions

How do I obtain a finance quote?

You have a range of options:
Visit or Showroom here in Rushden, Northamptonshire where our Finance Manager Jamie can go through all your options
Give us a call and we will process your initial application
OR simply file out our quick online application.

Of course you can always email us with any further questions you may have.

What does APR mean?

APR is short for Annual Percentage Rate. The APR calculates the total amount of interest to be paid over the duration of the loan including any additional charges that are payable.
Simply speaking the APR allows you to easily compare the cost of finance from a range of lenders. The Consumer Credit Act requires all lenders to quote this rate.

Do you need to know my salary or outgoings?

The only personal details you will need to supply are name, date of birth, contact and employment particulars and details of the bank account for us to set up your repayment direct debit with. In some instances our lenders may require further information to support your finance application.

We always recommend that you do not commit to a finance agreement unless you are confident that you can afford the payments now and throughout the term of the agreement.

How long does it take to process my finance application?

In most cases, Croyland Car Megastore will be able to obtain a decision within 15 minutes.

Do you carry out a credit search?

Yes, we will search your record at Experian Limited and they will keep details of our search.

If you would like to obtain a copy of your Credit record, you can:
Write to Experian Ltd, Consumer Help Service, PO Box 9000, Nottingham, NG80 7WP. Or Go to , or Call them on 0844 481 8000.

Over what period of time can I take my finance?

We have a wide selection of options and can provide a variety of terms, from 12 to 60 months, dependent upon the finance plan you have chosen.

What information do I need to provide when applying for finance?

Our lenders require you to provide a full UK, or EU driving license, both photo-card and counterpart sections.

In addition you will need a proof of address dated within the last 3 months:
A bank or credit card statement
Utility or council tax bill
Mortgage statement.

Do I have to put down a deposit?

In general our lenders do not have any minimum deposit requirement.

I'm self-employed can I get car finance?

Yes, we can still find you a great car finance deal if you're self-employed although generally lenders will ask for 3 months bank statements. So why not just give us a call or apply online.

I was made bankrupt two years ago, can I get finance?

Yes, so long as you’ve been discharged for a minimum of 12 months, we can normally help. So why not apply today!

I have only lived in England or 2 years, can I get finance?

Unfortunately until you have lived in the UK for 3 years our lenders will not agree to give you finance. We have a wide range of cars that are always available for a cash purchase.

I am 17 years old, can I get finance?

No unfortunately we wouldn't be able to help until you're 18 years old. We have lenders that finance 18-21 year olds, although, on some occasions we will need to add a guarantor to your application.

Can I still get motor finance despite a poor credit history?

Every finance application we receive is different so and we have a wide range of lenders. However, if you have a poor credit rating unfortunately we are unlikely to be able to help you source finance for your vehicle. However it’s always worth discussing your circumstances with our Finance Manager who maybe be able to suggest the best options for you.
We have a wide range of cars that are always available for a cash purchase.

When will my first payment for the finance agreement be due?

Normally your first payment to the finance company is due approx 30 days of signing your finance agreement.

If I have any further questions, how do I contact you?

You can call our Finance Manager Jamie or you are welcome to email us with any further questions you may have.

Part Exchange

Want a part exchange valuation? Then come down with your Part ex or click here for our online valuation service.

What are your Finance options?

  • Hire Purchase
  • Lease Hire (Motor Loan)


Finance Enquiry
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