Car Finance Repayment Calculator
CAR FINANCE REPAYMENT CALCULATOR PROVIDES AN INDICATIVE QUOTE.
APPLY NOW FOR A NO OBLIGATION QUOTE TAILORED TO YOUR CREDIT PROFILE
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
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
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.
We’re based in the West Midlands, providing finance to customers in the wider West Midlands area. So we offer 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 and Loans
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, we can work out a pre-approved budget for your car finance.
PCP: Vehicle Finance
We also offer PCP Agreements. At the end of the term you either pay a ‘balloon’ payment, or hand back the vehicle.
Any Purpose Personal Loans
UPDATE 20/07/2020:
Currently only considering personal loans under very limited circumstances.
Personal Loans
For Negative Equity
If you’re struggling to change your vehicle because of negative equity, we might be able to help
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.
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.
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
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
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.
Phone : 01384 483499
Text or WhatsApp: 07935 862429
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.
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