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    eCars247 instant car finance

    Used car finance

    Buying a used car is a big commitment, like purchasing a house or saving up for a dream holiday. At eCars247 we know that very few people have the cash available to finance a used car in one fell swoop, which is why we’re thrilled to offer instant finance on all our cars (subject to acceptance). So, you won’t have to sell your fine china or live off baked beans for the rest of your life, thank goodness.

    How We Can Help You

    eCars247 is delighted to offer various methods designed to help our customers manage their car purchase. We offer instant finance through a personal loan or a personal contract purchase and of course not forgetting good old hire purchase. If these options are not for you for various reasons then talk to our helpful staff anyway and we may well have other alternatives to put you in the driver’s seat.

    Read on about our finance packages.

    Buying a car from eCars247 with instant finance

    We know that buying a used car can be a complicated process, which is why we’re here to make it smooth sailing. Our instant finance offering ensures the process is straightforward and transparent; we’re currently the only used car dealer to give you the opportunity to complete your entire finance application online. You’ll also find all the costs displayed at browsing stage, so you can sleep easy at night knowing there is nothing hidden with eCars247.

    If you choose to purchase your car online with eCars247 using our instant finance deal, it will take the form of a personal loan. Depending on what suits you and your personal circumstances, you can take the finance agreement for up to 7 years with terms available between 24-84 months.

    Interest Bearing Finance Example

    Up to 84 months 8.9% APR representative interest bearing finance

    Our simple finance options allow you to spread the cost of your purchase over 84 months.

    Representative example:

    Cash Price £11,000
    Deposit £100
    Loan Amount £10,900
    APR Representative 8.9%
    Interest Rate 8.9% fixed
    60 Monthly Repayments of £223.93
    Total term of loan agreement 60 months
    Total Charge for Credit £2,535.80
    Total Amount Payable £13,535.80

    If you require any further information about finance please call 0330 0580 247

    Credit subject to status and affordability. Terms & Conditions Apply. Walton Hall Garage Limited (00567946) trading as eCars247 is a credit broker and is Authorised and Regulated by the Financial Conduct Authority.

    We can introduce you to a limited number of lenders who may be able to finance your purchase. We may be paid a commission for introducing you to them.

    Credit is provided by Hitachi Personal Finance, a trading style of Hitachi Capital (UK) PLC, authorised and regulated by the Financial Conduct Authority. Financial Services Register no. 704348. The register can be accessed through

    What are the benefits of instant finance?

    Taking out a personal loan agreement is a convenient method to spread the cost of a used car. We consider some of the benefits below:

    You own the vehicle from day one, so you can sell or change when you see fit No mileage restriction
    Choice of between 24-84 months term
    No additional fees
    The loan can be settled at any time
    Quick and easy online application process
    Fast and secure e-signature

    Your questions answered

    Here's some of the most commonly asked questions regarding online finance.

    Do I need a deposit?

    To get the wheels in motion, we ask for a modest deposit of just £100. This deposit acts as your commitment to purchase whilst we take the car off sale for you. You can pay for your deposit online. This takes you one step closer to driving off in your dream car.

    Once my application is approved, what happens next?

    Within minutes of your application being approved, you will be presented with the options to either e-sign or print and return your finance agreement.

    If you choose to e-sign your agreement, a PDF of your agreement will be displayed on screen. You should read the agreement carefully before clicking all the relevant sections agreeing to its terms.

    Once you have agreed to the terms of the finance agreement Walton Hall Garage Ltd trading as eCars247 will be notified and you need do nothing more.

    If you choose to print and return your agreement you should print the agreement, read it carefully and then sign the document following the instructions on the covering letter. This signed document should then be posted to the address shown on the covering letter of the finance agreement.

    Note that your new car will not be allocated to your order until your completed and signed agreement is returned and received by Hitachi Personal Finance. Delivery or collection of the car will follow soon after your agreement has been returned and received.

    Will you credit score me and if so, what does this mean?

    Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies.

    This information allows consistent decisions to be provided, ensuring all applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.

    If you decline my application, what is the reason?

    In addition to credit scoring, Hitachi also takes into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though Hitachi is unable to provide you with a main reason for the decline of your application, it is usually based on one, or a combination of the following:

    Your credit score (please note that every finance company will score you differently)
    Adverse credit reference agency information
    You are considered to be overcommitted
    You are aged under 18
    Your existing account performance with other lenders

    What type of information do credit reference agencies hold about me?

    Some of the information is public information, for example electoral roll, County Court Judgements and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.

    How do I obtain a copy of this information?

    You should send a cheque for £2.00 made payable to the relevant credit reference agency, together with details of all addresses at which you have lived over the last 6 years:

    Experian Limited, Customer Support Centre, PO Box 9000, Nottingham, NG80 7WF
    Equifax Ltd, Customer Service Centre, PO Box 10036, Leicester, LE3 4FS
    Callcredit Limited, Consumer Services, PO Box 491, Leeds, LS3 1WZ

    The above listed agencies will provide details of information relating to these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.

    If my application is not successful, can I re-apply?

    Yes. We acknowledge that circumstances change and just because a previous application has been refused, it does not mean that a further request will automatically be turned down. We do suggest however, that you leave at least 6 months between applications.

    Can I request delivery to an address other than my home?

    In order to safeguard against fraudulent applications, we regret that we're able only to deliver the car to the home address of the applicant.

    What if I don't qualify for instant finance?

    If you apply for online finance with eCars247 and don't qualify, not to worry, as we can hopefully still offer you terms from a selection of associated lenders. There are other useful options too such as Hire Purchase (HP) or Personal Contract Purchase (PCP).

    Hire Purchase

    Hire Purchase has been with us forever and remains one of the simplest forms of personal finance. Essentially, it works like this: The cost of the new car is broken down into an up-front deposit followed by a series of monthly payments, plus the interest. Once the final instalment is paid, the car will be yours to keep or sell on.

    Personal Contract Purchase

    Personal Contract Purchase finances the loan rather differently. A percentage of a car’s price is divided into monthly payments with, again, a deposit. These monthly costs will usually be lower than with HP. instead the buyer can opt to pay a lump sum at the end of the term or return the car. Repayments are made over a set period after which the car can be returned to the dealer or the vehicle can be purchased as mentioned outright with the final lump-sum payment.

    Both the above purchase schemes have their merits but if you decide not to proceed with those or any of our other options your deposit is fully refundable. To find out more about our range of finance options get in touch via live chat, email or phone. We can help you make the right finance choice.

    Make An Enquiry

    Our website has been designed to give you as much information about our cars (and us) as possible. But we realise we’re not perfect and may have overlooked something along the way. So, ask us any question in the form below and we’ll get back to you in a jiffy.
    Jiffy = within one hour during opening hours or within one hour of the next working day if we’re closed.

    Our opening hours are:

    Mon-Fri 8am-9pm
    Sat 9am-6pm
    Sun 9am-4pm

    Here at eCars247 we take your privacy very seriously and will only use your personal information to administer your account and to provide the services you have requested from us.

    However from time to time, we would like to contact you with details of other products and services relating to your purchase with us.

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