Car finance that's Here for you
Representative example: Cash Price ÂŁ8,976. Deposit ÂŁ1,000. Finance ÂŁ7,976. Term 61 months. 59 monthly payments of ÂŁ228.00. 1 final payment of ÂŁ328.00 a month later (inc option to purchase fee ÂŁ100) Total Charge for Credit ÂŁ5,804.00. Total amount payable ÂŁ14,780.00 (inc deposit ÂŁ1,000), Representative 25.5% APR
NO PAYMENT FOR 2 MONTHS. £100 OPTION TO PURCHASE FEE
Rates and terms may differ, depending on your circumstances and the loan to value ratio. Subject to status
Our Car Finance and Loan Services
From processing and approving your application, through management of your account, until the payments are completed, we’ll be there for you every step of the way.
No Footprint
Using a soft search to check eligibility means we don’t leave a footprint. So you get a no obligation quote and decision without the impact of a full credit report search.
Pay Nothing for Two Months
You start paying us 2 months after signing up. So that’s a great way to give you breathing space to help with some of the costs of a new car.Â
No Call Centres
Because we don’t use call centres, when you call we answer. That means you’ll always avoid the long phone queues and automated call systems.
No Deposit = No Problem
And No Hidden Extras
No Deposit? That’s no Problem
(subject to status & affordability).
And there’s no set up fees or hidden charges.
So there’ll be no nasty surprises.
Local & Compliant
Authorised by the FCA as a lender.
Based in the West Midlands, providing finance to customers in the wider West Midlands area.
Offering a local lending service that you can trust.
No Middle Men
Because we’re the lender, we don’t use middle men. So you speak to the people that make the decisions.
Types of Car Finance
Fair, clear and not misleading:Â
You can rely on us to take the time to work with you through the application stage, and to give you the help you need during the lifetime of the finance.
So before you sign the final paperwork, we will go through things in detail, and give you the chance to ask us any questions you might have.
HP: Vehicle Finance
We mainly provide finance on regulated Hire Purchase Agreements. That’s the traditional method of vehicle finance, where you keep the car when the debt is settled.
PCP: Vehicle Finance
We also offer PCP Agreements. At the end of the term you pay a ‘balloon’ payment, or hand back the vehicle.
Your personal data..and your happiness.. is very important
In fact, you are important!
We work very hard to provide the best service we can, to all of our customers and look after your data securely.
But if you're not happy for any reason, we want to know why. That's because we can only improve if we understand how you feel we might have let you down.
Privacy policy
Data Protection is a huge issue in the modern world, Above all, we keep your data safe and we never share it unless it’s absolutely necessary.Â
CRAIN
The Credit Reference Agency Information Notice is important to understand how credit reference agencies use personal information.
Complaints
Nobody likes to receive a complaint. However, sometimes things go wrong and we need to know about it. So if you think we could have done better, please let us know.
Who We Are...
We are local, friendly and professional. So if you want a finance company that treats you fairly and takes the time to listen to you, you just found one. If you’re looking for vehicle finance that suits your needs, get in touch for a quote and eligibility check.
A member of the Consumer Credit Trade Association.Â
Regulated and authorised by the Financial Conduct Authority:
Complaints governed by the Financial Ombudsman Service:
Absolutely fantastic team, always on hand to help. With a professional service from start to finish would highly recommend 🙂
DH
Customer
Stour Vale proved to be a lifeline for me when I didn’t have one. They covered me when I had poor credit and no one else would help me, I was going through divorce and walking my daughter 6 miles a day to school. Without them I wouldn’t have been able to get to where I am now. Always polite friendly and helpful too absolutely would recommend 100%
LS
Customer
Stour vale dealt with my finance for my new car, from my video call to the finance going through their service was amazing ...many thanks
DT
Customer
This finance company is fantastic, you get a personal touch here unlike other finance companies whom you speak to people and will never meet. The service you get is second to none, very professional, highly recommended.
SO
Dealer
I must say how extremely delighted I was with Stour Vale Finance. From my first phone call to my final meeting with you today, I feel I have been treated with the upmost respect and professionalism. With your company I am not a number, but instead a customer which is not the feeling you get with a lot of companies nowadays
AB
Customer
PHONE LINE Opening Hours
Monday: 9.30am – 3.00pm
Tuesday: 9.30am – 3.00pm
Wednesday: 9.30am – 3.00pm
Thursday: 9.30am – 3.00pm
Friday: 9.30am – 1.00pm
Saturday & Sunday: Closed
Bank Holidays: Closed
Contact us via email, text or WhatsApp at any time
Book a call back
To book a call back, you just need to…
Send a WhatsApp or Text to 07935862429 or email info@stourvale.co.uk to say:
a) what you want to chat about, and
b) when you’d like us to call you back
We’ll do our best to get back to you at a time to suit you.
Contact us
Links for Existing Customers
COMMISSION COMPLAINTS UPDATE
THE BACKGROUND
Back in January 2021, the Financial Conduct Authority (FCA) banned Discretionary Commission Arrangements on Motor Finance Agreements as it considered them to be unfair.
This was followed by some Court cases that tested when commission might be considered fair or unfair, and what redress payment might be appropriate if the customer had been treated unfairly.
Rather than rely on the need for the customer to complain, the FCA proposed a Redress Scheme, that would define when a Motor Finance Agreement had been unfair, what amount of redress should be paid, and when the lender should pay redress to the customer.
And this would happen under the Redress Scheme regardless of whether the customer had complained.
So there would be no need for a Claims Management Company to act on the customer's behalf, enabling the customer to receive all of the redress payment without taking any action whatsoever.
The FCA identified "Relevant Arrangements", which are the 'triggers' that in most cases will make the Motor Finance Agreement unfair, resulting in a Redress Payment being paid to the customer.
There are three Relevant Arrangements:
RELEVANT ARRANGEMENTS
The FCA identified "Relevant Arrangements", which are the 'triggers' that in most cases will make the Motor Finance Agreement unfair, resulting in a Redress Payment being paid to the customer.
There are three Relevant Arrangements:
Discretionary Commission Arrangement
Where the dealer could influence the interest rate in order to increase their commission.
High Commission
Where the dealer could influence the interest rate in order to increase their commission.
Tied Arrangement
Where the dealer could influence the interest rate in order to increase their commission.
ACTIONING THE REDRESS SCHEME
The FCA require lenders to:
1. Analyse all Motor Finance Agreements that were signed up since April 2007
2. Identify which Agreements, if any, incorporated a Relevant Arrangement
3. Calculate the Redress Payment due (if any)
4. If analysis shows that the agreement was unfair: Contact Customers to provide a Provisional Redress Decision, offering a Redress Payment
5. If the analysis shows that the agreement was fair: Contact Customers who have complained, to provide a Provisional Redress Decision, to let them know that there is no Redress Payment due
Note: Where the customer has used a claims management company, the lender may be required to contact the claim firm, not the customer.
HOW THIS APPLIES TO STOUR VALE FINANCE CO LTD
We have completed an analysis of all Motor Finance Agreements going back to April 2007.
This shows that there are no Relevant Arrangements on any of the Agreements.
Therefore, no Redress Payments are due.
As primarily a sub-prime lender, operating solely in the West Midlands area, we anticipated that our agreements would fall into the 63% of Agreements that the FCA estimated would be considered to be fair under the Commission Redress Scheme. So the outcome of our analysis is consistent with expectations.
Initially we have responded to all complaints to acknowledge receipt.
And subsequently we have provided an update to state that we will not be making any redress payments under the FCA's Redress Scheme.
In accordance with the FCA's Redress Scheme requirements, between 1st August 2026 and 30th November 2026, we will be contacting customers who have complained (or their Claims Management Company) to provide a 'Provisional Redress Decision', stating that no redress payments are due.
FCA UPDATE JULY 2026
Due to challenges to the Redress Scheme from lenders and consumer groups, the FCA have suspended the Redress Scheme elements that involve redress payments.
However, where no redress payment is due, the FCA require lenders to still proceed in line with the Redress Scheme requirements.
Although the dates for getting in touch with the Provisional Redress Decision have been pushed back:
- 18th November 2026: where the Agreement began on or after 01/04/2014, and the complaint was received by 30/06/2026
- 18th January 2027: where the agreement began before 01/04/2014 and the complaint was received by 31/08/2026
NOTE: If you are not happy with our decision to not pay any redress, you can:
- Ask us to review the decision
And if you are still not happy with the outcome, you can:
- Ask the Financial Ombudsman to review your complaint; or
- Consider court action
Stour Vale and Stour Vale Finance Co Ltd are abbreviations or trading names of Stour Vale Finance Company Limited, registered in the UK, Company registration number 00709939
Regulated and authorised by the Financial Conduct Authority, FRN 670955
A member of the Consumer Credit Trade Association.