How does selling my car to VMS Automotive work?

Provide your registration, mileage, service history and condition by phone or form for a valuation, receive a fair market-based offer within one working day, book a convenient inspection at the South London base, and get paid by secure bank transfer, typically the same day the inspection is confirmed.

Can I sell my car if it still has outstanding finance?

Yes. VMS Automotive settles the outstanding finance directly with the lender and pays any remaining equity to the seller.

What documents do I need to sell my car?

You will need the V5C logbook, service history, and the MOT certificate if applicable.

How is my part-exchange valuation calculated?

Valuations are based on live market data and take into account mileage, service history, condition and the number of keys. Minor wear and tear is normal and will not necessarily affect the valuation significantly.

Does my part-exchange car need a valid MOT?

No, a valid MOT is not required to part-exchange a vehicle with VMS Automotive.

Can I use my part-exchange value as a deposit on finance?

Yes, the part-exchange value can be used as a deposit toward a new vehicle, reducing the overall amount you need to finance.

Do you offer car finance including PCP and HP?

Yes, VMS Automotive offers both Personal Contract Purchase (PCP) and Hire Purchase (HP) finance, with flexible deposits and terms.

What warranty comes with a car bought from VMS Automotive?

Every car includes a minimum six-month warranty covering mechanical and electrical failure, factory-fitted turbo cover, in-car entertainment (up to £500 per claim), key and remote replacement (up to £100 per request) and rental vehicle assistance. Cover can be extended to 12 or 24 months via the Silver, Gold or Platinum service plans.

Used Car Finance Packages | HP & PCP

Buying a Car on Finance, Made Simple

Buying a car on finance made simple, affordable monthly payments and quick approval.

Financing Made to Fit You

Buying a car on finance means flexible payments, competitive rates and approval that never keeps you waiting.

PCP vs HP: Which Suits You?

From contract hire purchase to PCP, see exactly how each option works before you decide.

How Car Finance Works

A quick and easy process to get you on the road faster.

Choose your car

Browse our 100+ quality-checked cars, all with linked finance and no hidden fees.

Select Finance Option

Apply online in 60 seconds for an instant finance indication with no impact on your credit score.

Sign & Drive Away

We handle everything sign your agreement and drive away the same day!

Finance Representative

Product

Conditional Sale

Cash Price

£16,450.00

Deposit

£16,45.00

Total Amount of Credits

£14805.00

Total Amount of Credits

£14805.00

Administration Fee

£0.00

Administration Fee

£0.00

Option to Purchase Fee

£0.00

Fixed Rate

6.8%

Duration of Agreement

60 Months

Duration of Agreement

60 Months

Initial Payment

£330.87

Monthly Payment

£330.67 x 58

Option to Purchase Fee

£340.67

Fixed Rate

12.9%

Trusted by Our Customers

We’re proud of the positive feedback we receive from customers who value our honest approach and quality vehicles.

The team was knowledgeable and helpful. I'm very satisfied with my purchase.

Ethan Carter

★★★★★

The staff was friendly and helpful. They made the car-buying experience enjoyable.

Pavel Volkov

★★★★★

Incredible attention to detail and customer satisfaction. Highly recommended!

Ingrid Schmidt

★★★★★

I'm so happy with my purchase. The team was friendly, helpful, and efficient.

Anika Dubois

★★★★★

The team was knowledgeable and helpful. I'm very satisfied with my purchase.

Ethan Carter

★★★★★

The staff was friendly and helpful. They made the car-buying experience enjoyable.

Pavel Volkov

★★★★★

Incredible attention to detail and customer satisfaction. Highly recommended!

Ingrid Schmidt

★★★★★

I'm so happy with my purchase. The team was friendly, helpful, and efficient.

Anika Dubois

★★★★★

The dealership was clean, and the staff was courteous. A truly exceptional experience.

Hiroki Ito

★★★★★

The entire process was seamless. I'll definitely be recommending this dealership.

Sofia Silva

★★★★★

Excellent service from start to finish. The car was exactly as described.

Kenji Tanaka

★★★★★

The dealership was clean, and the staff was courteous. A truly exceptional experience.

Hiroki Ito

★★★★★

The entire process was seamless. I'll definitely be recommending this dealership.

Sofia Silva

★★★★★

Excellent service from start to finish. The car was exactly as described.

Kenji Tanaka

★★★★★

Frequently Asked Questions

From ownership plans to flexible contracts, find the option that works best for you.

Which is better, PCP or HP?

It depends on your priority. HP usually costs less overall and you own the car outright at the end. PCP offers lower monthly payments but a final balloon payment if you want to keep it.

Is there a catch with "no credit check" car finance?

Not with us. A soft search checks your eligibility without affecting your credit score, it isn't a way to hide a higher interest rate, and you'll always see the real terms before you commit.

What does a soft credit check actually check?

It gives lenders a general view of your credit history to indicate likely approval, without leaving a mark on your file or affecting your credit score.

Does car finance always require a hard credit check?

No. We start with a soft search to check your eligibility. A hard check only happens later, once you formally apply and choose to proceed.

Does car finance always require a hard credit check?

Mileage limits apply, and you don't automatically own the car. If you want to keep it, you'll need to make a final balloon payment at the end of the term.

Buying a Car on Finance, Made Simple

Financing Made to Fit You

Buying a car on finance means flexible payments, competitive rates and approval that never keeps you waiting.

Finance Hire Purchase, Your Terms

Competitive Interest Rates

Quick & Easy Approval

Small Deposit, Big Difference

PCP vs HP: Which Suits You?

From contract hire purchase to PCP, see exactly how each option works before you decide.

PCP: Drive New, Decide Later

HP: Pay It Off, Own It Fully

How Car Finance Works

A quick and easy process to get you on the road faster.

Choose your car

Browse our 100+ quality-checked cars, all with linked finance and no hidden fees.

Select Finance Option

Apply online in 60 seconds for an instant finance indication with no impact on your credit score.

Sign & Drive Away

We handle everything sign your agreement and drive away the same day!

Finance Representative

Trusted by Our Customers

We’re proud of the positive feedback we receive from customers who value our honest approach and quality vehicles.

Ethan Carter

Pavel Volkov

Ingrid Schmidt

Anika Dubois

Ethan Carter

Pavel Volkov

Ingrid Schmidt

Anika Dubois

Hiroki Ito

Sofia Silva

Kenji Tanaka

Hiroki Ito

Sofia Silva

Kenji Tanaka

Frequently Asked Questions

From ownership plans to flexible contracts, find the option that works best for you.

It depends on your priority. HP usually costs less overall and you own the car outright at the end. PCP offers lower monthly payments but a final balloon payment if you want to keep it.

Not with us. A soft search checks your eligibility without affecting your credit score, it isn't a way to hide a higher interest rate, and you'll always see the real terms before you commit.

It gives lenders a general view of your credit history to indicate likely approval, without leaving a mark on your file or affecting your credit score.

No. We start with a soft search to check your eligibility. A hard check only happens later, once you formally apply and choose to proceed.

Mileage limits apply, and you don't automatically own the car. If you want to keep it, you'll need to make a final balloon payment at the end of the term.