Looking for Car Finance?

we like to say YES

Car Finance Repayment Calculator

How much do you want to borrow?
For how long?
Your credit rating:
Amount of Credit
Credit rating
Total Charge For Credit
Total Amount Repayable
Monthly Repayments


Representative example: Cash Price £8,976. Deposit £1,000. Finance £7,976. Term 61 months. 59 monthly payments of £224.16. 1 final payment of £324.16 a month later (inc option to purchase fee £100) Total Charge for Credit £5,573.60. Total amount payable £14,549.60 (inc deposit £1,000), Representative 24.6% APR
Rates and terms may differ, depending on your circumstances and the loan to value ratio. Subject to status

Our Car Finance and Loan Services

Whether it’s HP or PCP car finance, or a personal loan, borrow from us and we’ll look after you from start to finish

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. 

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: 

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.

Pre Approved HP

If you’re not sure how much you can borrow, please get in touch to find out how to complete a full affordability assessment.

PCP: Vehicle Finance

We also offer PCP Agreements. At the end of the term you pay a ‘balloon’ payment, or hand back the vehicle.
If you want a quote for PCP, just let us know.

Negative Equity Loan

If you’re struggling to change your vehicle because of negative equity, we might be able to help. Just apply for car finance and add a note to ask for a quote for the negative equity.

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. 


The Credit Reference Agency Information Notice is important to understand how credit reference agencies use personal information.


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. 

Regulated and authorised by the Financial Conduct Authority:

Complaints governed by the Financial Ombudsman Service:

What People Say About Us

Absolutely fantastic team, always on hand to help. With a professional service from start to finish would highly recommend 🙂
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.
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
Opening Hours

Monday: 9.00am – 5.00pm
Tuesday: 9.00am – 5.00pm
Wednesday: 9.00am – 5.00pm
Thursday: 9.00am – 5.00pm
Friday: 9.00am – 5.00pm
Saturday: Closed
Sunday: Closed
Bank Holidays: Closed

We are working from home due to the pandemic. So please don’t visit our offices without an appointment.
On the upside, because of home working, we can be a little more flexible. So if you need to get in touch outside of our normal opening hours, try dropping us an email or sending a text.

Contact us

We are working from home due to the pandemic. So please don’t visit our offices without an appointment.
On the upside, because of home working, we can be a little more flexible. So if you need to get in touch outside of our normal opening hours, try dropping us an email or sending a text.

Social Contacts




Links for Existing Customers

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.