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We are delighted to offer you the option to buy your car on finance allowing you to drive and own the car you really want. We provide simple finance options for customers that would like to spread the cost of their purchase across monthly payments.

Small Cars Direct are an Approved Finance Dealer with Close Brothers Motor Finance. Close Brothers Motor Finance are a specialist finance provider across the UK and Ireland. As a reputable and responsible lender, they are committed to lending in a professional way and deliver excellent customer service. Which is exactly why we choose Close Motor Finance as one of our finance providers.

In order to apply for finance, we simply need some basic details and we will then make an application for finance and give you an instant decision, which can be as quick as 30 minutes. Close Brothers Motor Finance offers affordable monthly payments to suit your budget. Terms available over 12 to 60 months and for amounts starting from £1,000.

*Finance is available subject to status to UK residents aged 18 years and over. Indemnities may be required.

Why choose Small Cars Direct as an Approved Close Brothers Motor Finance Dealer?

Peace of mind - Small Cars Direct and Close Brothers commit to providing the highest levels of customer service to ensure complete satisfaction Quick and easy - You can have a decision within minutes, allowing you to drive away same day Names you can trust - Small Cars Direct and Close Brothers Motor Finance have built enviable reputation as being trustworthy businesses within the industry Keeping it simple - Instant decisions and a hassle-free, transparent approach.

How do I apply for finance?

Let us know which vehicle you are interested in by calling or messaging us. We will then get in touch to discuss your requirements and to make an application. We can also apply for and obtain finance in person when you are with us while you wait.

How much can I borrow?

In certain cases you may be able to borrow the full amount, however in some examples you may need to contribute a deposit, usually at least 10%.

Over what period of time can I take my finance?

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

How much will my finance cost?

Your fixed monthly payments will be agreed between yourself and Close Brothers Motor Finance at a rate you are happy with. Monthly payments vary depending on how much you want to borrow, the size of your deposit and the loan period (usually between 12 – 60 months).

What interest rate do you charge?

Interest rates change every so often and we will be able to provide you with the most competitive rate according to your circumstances at the time you arrange the finance for your vehicle. Your interest rate will then be fixed for the duration of your finance agreement so you’ll know exactly how much you’ll pay each month.

What fees do you charge?

Our standard fees are £350, most customers like to have this fee spread out across the monthly repayments.

How old do I need to be to apply for a loan?

You must be at least 18 years old to enter into a finance agreement under UK law.

What information do I need when applying for finance?

In order to validate your identity, you will need to provide a full UK/EU driving licence. In addition, a proof of address will be required – acceptable proofs of address are: a bank/credit card statement, utility or council tax bill, mortgage statement (all dated within the past three months) or your current vehicle’s V5 registration document.

Do you need to know my salary/earnings?

The only personal details we need from you to be able to process your finance application are your name, date of birth, contact and employment details and details of the bank account you would like us to set up the direct debit for.

Do you carry out a credit search?

Yes, Close Brothers Motor Finance use information from major UK credit reference and fraud prevention agencies. If you wish to obtain further information on how finance companies carry out credit scoring, the Finance and Leasing Association provide a consumer guide – you can find this at

How long will it take to process my finance application?

During normal working hours this can be as quick as 30 minutes, sometimes quicker.

What happens after I’ve signed my finance agreement?

We will give you a copy of your finance agreement and the original will then be sent to Close Brothers Motor Finance. Once we have set up your account, you will be sent a letter confirming that your agreement is live and running with Close Brothers Motor Finance.

Why do I have to comprehensively insure my car?

Comprehensively insuring your car protects you, Close Brothers Motor Finance and any other party involved in an accident and gives you the maximum level of protection. Should you write-off your car without insurance you will still be liable to repay your loan.

What if I want to sell the vehicle?

You do not own the vehicle until the end of the contract with Close Brothers Motor Finance, which means you cannot sell the vehicle during your agreement without their prior approval. If you want to sell the vehicle you must settle the loan in its entirety to become the legal owner.

O.K. sounds good, how do I apply?

Call or message us on 02381 847 164 or 07736 757228 or email

Please note, figures generated below are to be used as a guide only and are subject to your credit status and eligibility. We also have access to other lenders via a specialist broker so please get in touch should you have previously been rejected by Close Bros.

Principal Loan:  

Monthly Repayment:    

Total Repayment:  

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