Buying the car of your dreams isn’t a simple decision. From paying it outright to using finance, there are many options available in Northampton. If you choose the latter, it’s important to make sure you find the lender with the lowest interest rates, modest EMI, minimal paperwork and quick disbursement.
That’s why we’ve handpicked 4 top-notch lenders/credit brokers (based on 25-rating parameters) that offer a full range of car finance options.
Here are the 4 budget-friendly car loans and finance companies in Northampton:
- Harrington Finance
- Billing Finance Ltd
- Crystal Motor Company Ltd
- CarShop Northampton
1. Harrington Finance
| WEBSITE | https://harringtonfinance.co.uk/ |
| PHONE NUMBER | +44 1604 973289 |
| LOCATION | 600 Pavilion Dr, Northampton NN4 7SL, UK |
| OPENING TIMES | Mon-Fri: 8.30am – 5:30pm Sat: Closed Sun: Closed |
| RATINGS | 3.8 out of 5 |
Harrington Finance is a team of financial experts specialising in luxury cars. They assess customers’ ability to pay using a combination of automatic and manual underwriting means which ultimately enables them to finance cars, motorbikes as well as light commercial vehicles and leisure vehicles. Most of their customers apply for finance through a chain of trusted brokers. You can either enquire about finance directly or contact them on the number given above.
Top Features
- Specializes in luxury car finance
- Provides timely feedback
- Network of trusted brokers
Service Reviews
“Wanted to get a used Porsche and I’m now paying less than what I was for my Mondeo every month thanks to Rich. I would heartily recommend using them.”
– L. Watson
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2. Billing Finance Ltd
| BEST KNOWN FOR | Car Finance, Motorbikes, LCVs, Leisure Vehicles |
| WEBSITE | https://billingfinance.co.uk/ |
| PHONE NUMBER | +44 1604 402204 |
| LOCATION | Billing Ho/The Causeway, Northampton NN3 9EX, UK |
| OPENING TIMES | Mon-Fri: 8.30am – 5.30pm Sat: 9am – 1pm Sun: Closed |
| RATINGS | 2.9 out of 5 |
With multiple awards under its sleeve, Billing Finance Ltd is one of the best privately held, family-owned car finance company Great Billing, Northampton. Their finance specialists have been providing hire purchase agreements to customers all around the United Kingdom since 1983.
The major highlight of this company is it targets customers with non-standard credit profiles who may not fit into other lenders’ automated underwriting processes. They are fully authorised and regulated by Financial Conduct Authority.
Top Features
- Large network of brokers
- TrustPilot score of 4.8
- Won multiple Car Finance awards
- Open Saturdays
Service Reviews
“Terrific people to work with and a great organisation. Offered a competitive rate, and everything went smoothly. It just took a few days to sort out my finances (it was also the weekend) and I was driving my dream car. I can’t thank you enough! Excellent overall experience!”
– Mark Liner
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3. Crystal Motor Company Ltd
| BEST KNOWN FOR | Used Car Finance, Used Van Finance |
| WEBSITE | https://www.crystalmotorcompany.co.uk/ |
| PHONE NUMBER | +44 1604 708881 |
| [email protected] | |
| LOCATION | Rothersthorpe Garage, Northampton NN4 8HZ, UK |
| OPENING TIMES | Mon-Fri: 9am – 6pm Sat: 9am – 6pm Sun: 10am – 4pm |
| RATINGS | 4.4 out of 5 |
Crystal Motor Company Limited is another industry leader in automobile services in Northampton. Authorised and regulated by the Financial Conduct Authority, they act as a credit broker and work with a number of carefully selected credit providers who may be able to offer you best finance options for your purchase.
What sets them apart is that they have built relationships with high street lenders and specialist motoring finance houses. That is why Crystal Motor Company has finance deals that fit every budget. Moreover, their expertise with car finance means that even if you have a poor credit rating they can help arrange finance for you.
Top Features
- Unbeatable car finance rates
- Also have finance options for people having bad credit in the past
- Online application form
- Instant decision
- Open Saturdays and Sundays
Service Reviews
“I recently bought a 2007 Mini Cooper S from Crystal and would like to express my appreciation for the outstanding service I received from Clint and Paul at Crystal. They took care of everything, from servicing the vehicle prior to collection to arranging financing. As this is the third vehicle I have purchased from this firm, the level of service has been second to none, and I would not hesitate to use them again.”
– Andy Baker
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4. CarShop Northampton
| BEST KNOWN FOR | Car Finance, Used Cars, Service & MOT |
| WEBSITE | https://www.carshop.co.uk/ |
| PHONE NUMBER | +44 1604 655065 |
| LOCATION | Ravens Way, Northampton NN3 9UD, UK |
| OPENING TIMES | Mon-Fri: 9am – 8pm Sat: 9am – 7pm Sun: 11am – 5pm |
| RATINGS | 4.4 out of 5 |
If you haven’t visited CarShop in Northampton, you’ve seriously been missing out on some great car deals. This place is a one-stop destination for all of your automobile needs. They have got lots of options with lots of flexibility, from Hire Purchase to Personal Contact Purchase so that you can easily spread the cost of your car over a number of months or years.
Car Shops is a consumer credit brokerage firm that is approved and regulated by the Financial Conduct Authority (FCA). But please remember that they are not lenders. They can connect you with a limited number of lenders and finance options to help you with your car purchase. So, you must determine whether the credit package you select is appropriate for you.
See out what’s available by getting your free finance check in under 60 seconds!
Top Features
- Open Saturdays & Sundays
- Offers online car finance calculator
- TrustPilot score of 4.4
Service Reviews
“Lloyd was amazing, extremely polite, explained everything clearly to us, had a nice chat with us on the test drive, and was also very patient with us. Very accommodating even though we were pressed for time, then on the finance side of things Aaron was very helpful and friendly and also very informative and we felt very comfortable with our purchase and didn’t feel pressured at all with any part of the process, on our second visit Steve and Daniel were very helpful and accommodating even though the shop was very busy! I can’t suggest it enough! Thank you so much for all of your assistance!”
– Paige Megan
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Frequently Asked Questions
If you go for more traditional finance, such as a PCP arrangement, and your credit score is good, you can expect to pay in the range of 6% to 11% APR depending on how you negotiate, and if you have bad credit, you may expect to pay more.
Pros:
– Buying a car on finance will spread the cost of repayment
– Fit any car into your budget
– It can help boost your credit score
Cons:
– You’ll be expected to pay interest on the principal amount
– Defaulting on the agreement may pose risk of losing the vehicle
– You may have to make lots of cutbacks to pay back the EMIs
Best Car Finance in Northampton
| Finance Company | Ratings |
|---|---|
| Harrington Finance | ⭐️⭐️⭐️ |
| Billing Finance Ltd | ⭐️⭐️⭐️⭐️ |
| Crystal Motor Company Ltd | ⭐️⭐️⭐️⭐️⭐️ |
| CarShop Northampton | ⭐️⭐️⭐️⭐️⭐️ |
Conclusion
In a nutshell, if you’re looking for best deals on car finance in Northampton and the surrounding areas, look no further than these 4 Finance Companies. So just sit back and dial them to know more!
Do you have any other Auto loan experts in mind who deserve to be on this list? or Have you financed your vehicle with any of these lenders before?
Let us know your experience in the comments below.
| Image Credits: All images/logos used in this article are copyrighted properties of their respective owners. |
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