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Our staff have passed the examinations set by Specialist Automotive Finance (SAF) and Automotive Compliance to enable us to advise you on the best way to fund your purchase when choosing your new vehicle.

Subject to status we can offer credit on all of our vehicles.

Please see our HP and PCP Specific page for full terms and conditions of the products available to you.


ESP Cars does not discriminate against you using a 3rd Party Finance Company to obtain your funds, however we specialise in *Sub Prime Credit and may be able to offer you better terms and conditions when using US as opposed to another funder who is relying on the sale of a high finance rate as their source of income.

General Terms and Conditions.

Please note you will not own the vehicle outright until all payments are made.

If you default on your finance payments, then the vehicle may be repossessed by the finance provider.

You must be 18 years or older to apply for finance.

Finance is not guaranteed, and any finance application is subject to a credit check and individual circumstances.

If you require any further information please do not hesitate to contact us.

The finance provider will have their own Terms and Conditions, please contact them directly for further information.


“Sub-prime finance is not guaranteed and may cost more than finance provided by a prime lender. We will try to obtain finance for you but that there is no guarantee. It may be from a sub-prime lender, and if so, the cost of finance is likely to be at a higher rate than prime lenders offer.”