Car Finance in Aberdeen
Car Finance in Aberdeen
Looking for car finance in Aberdeen? Westhill Cars Ltd works with a panel of trusted UK lenders to help customers across Aberdeen and Aberdeenshire find affordable, flexible finance on quality used cars. Whether you have an excellent credit score or need help rebuilding, we will work to find a finance solution that fits your budget.
We are not a finance broker. We are a used car dealer with over 25 years of experience who happens to offer finance as part of the service. That means you get honest advice on what you can realistically afford, not a hard sell on the most expensive package available.
Finance Options We Offer
We offer several types of car finance to suit different needs and circumstances:
Hire Purchase (HP)
The most straightforward option. You pay a deposit followed by fixed monthly payments over an agreed term. Once the final payment is made, the car is yours. No balloon payments, no surprises. HP is available on most vehicles in our stock
PCP (Personal Contract Purchase)
Available on selected vehicles. PCP offers lower monthly payments than HP because you defer a portion of the cost to a final "balloon" payment at the end of the term. At that point you can pay the balloon and keep the car, hand it back, or use any equity as a deposit on your next vehicle.
Credit Builder Finance
If your credit history is limited or has been damaged, we may still be able to help. We work with specialist near-prime and sub-prime lenders who consider applications on a case-by-case basis. Rates will be higher than prime finance, but making consistent payments can help rebuild your credit score over time.
How Car Finance Works at Westhill Cars
The process is simple and there is no obligation at any stage:
- Find a car you like in our stock, or tell us what you are looking for
- Speak to our team about your budget and preferred monthly payment
- We submit your application to our lender panel and come back to you with the best available options
- Same-day decisions are common - you will know quickly where you stand
- If approved, we handle the paperwork and you drive away in your new car
We will always explain the full cost of the agreement, including the total amount payable, the interest rate (APR) and the monthly payment. No hidden fees. No surprises at the end of the term.
Can I Get Finance with Bad Credit?
Possibly, yes. We have helped many customers across Aberdeen who thought they would be declined. Every lender has different criteria, and our panel includes specialists who consider more than just a credit score. Speak to us before assuming the answer is no.
We will never run a credit search without your permission, and we will be honest if we think finance is unlikely to be approvedWe will never run a credit search without your permission, and we will be honest if we think finance is unlikely to be approved.
Part Exchange and Finance
You can use your current vehicle as a deposit against a financed purchase. We will give you a fair, market-based valuation and apply it directly to reduce the amount you need to finance. This can significantly reduce your monthly payments or shorten the term of your agreement.
Get a free part exchange valuation by sending us your registration number, mileage and photos.
Apply for Finance Today
You can apply for finance in person at our Westhill showroom, over the phone or by email. There is no obligation, and we are always happy to answer questions before you commit to anything.
Call us: 01224 744411
Email us: [email protected]
Visit us: Enterprise Drive, Westhill Industrial Estate, Westhill, AB32 6TQ - just 10 minutes from Aberdeen city centre via the A944