Finance
At Bridgend Motor Group, we’re here to make financing your next car simple and stress-free. As an independent, family-owned business, we have the flexibility to work with a wide range of trusted finance providers — allowing us to source the most competitive used car finance deals across our dealerships.
Our friendly, expertly trained finance team will guide you through every step of the process, ensuring everything is clear, straightforward, and tailored to your needs.
We understand that financing a vehicle is a significant life decision, and finding the right solution is essential to ensuring a positive outcome. With our team’s wealth of knowledge and experience, we’ll guide you through all available finance options, helping you make an informed choice that suits your individual needs.
Our team is committed to helping you find the right finance option for you. Please don’t hesitate to contact us with any questions or concerns — we’re here to support you every step of the way.
At Bridgend Motor Group, we believe buying a car should be an enjoyable experience. That’s why we go the extra mile to remove the pressure, so you can relax knowing you’ve chosen the perfect finance package with confidence.
Start your journey to your next car today — get in touch with the Bridgend Motor Group team.
Had trouble getting car finance in the past? You're not alone — and we're here to help.
Whether you’ve got a limited credit history, missed a payment, or have been turned down before, our friendly and experienced team is on hand to support you. At Bridgend Motor Group, we believe everyone deserves a fair chance to get behind the wheel of a reliable vehicle.
Thanks to our strong relationships with a wide range of finance providers, we can often help arrange finance even if your credit score isn’t perfect. We’ll take the time to understand your situation and guide you through the process with care, clarity, and zero pressure.
Let our helpful team take the stress out of car finance — get in touch today and let’s find the right solution for you.
Car Finance Checker
Select 'Free Finance Check' on any of our vehicle details pages, and you can find the best finance deal available without impairing your credit score.
Alternatively, contact us now to find out more.
Your Rate Explained
Rates explained, i.e. what can impact the finance rate you are offered?
Can You Find Finance That Fits Me?
At Bridgend Motor Group, we understand that everyone’s financial situation is different. That’s why we’re committed to helping you find not only the right vehicle, but also a finance solution that suits your budget and lifestyle.
What Should I Do If I'm Worried About Payments?
If you're finding it difficult to keep up with your finance payments, it's important to speak with your lender as soon as possible. They may be able to offer support such as reduced or deferred payments, and will give you time to explore your options and seek advice.
What If I Need Financial Guidance?
If you’d like independent advice, the following organisations offer free and confidential support to help you manage your finances:
MoneyHelper – www.moneyhelper.org.uk
StepChange Debt Charity – www.stepchange.org
Citizens Advice – www.citizensadvice.org.uk
We hope you find these resources helpful. And remember, our team is always here to support you — just get in touch if you have any questions.
Status Disclosure:
The Financial Conduct Authority is the independent watchdog that regulates financial services. It requires us to give you this information to help you decide if our services are right for you.
Bridgend Garage Ltd whose registered address is Riverside Autoplex, Glasgow Road, Kilwinning, North Ayrshire KA13 7JB, is authorised and regulated by the Financial Conduct Authority. Our Financial Services Register Number is 684889.
We are an Intermediary and our permitted business is the supply of insurance and finance products connected with the purchase of your motor vehicle. You can check this on the Financial Services Register by visiting the FCA’s website at www.fca.org.uk or by contacting the contact centre on 0300 500 0597.
- About our Finance Services:
We are a credit broker and not a lender. We can introduce you to a limited number of lenders and their finance products.
We are not independent financial advisors; we will provide details of products available, but no advice or recommendation will be made. The finance you're offered may cost you more than you could find elsewhere using other lenders' products or services. You must decide whether the finance product is right for you.
We do not charge you a fee for our services. Whichever lender we introduce you to, we will typically receive commission from them (either a fixed fee or a fixed percentage of the amount you borrow) to compensate us for our credit broking services, introducing you to our finance products and services, and helping you with the application and arrangement process.
- COMMISSION:
For your reassurance, the lenders we work with could pay commission at different rates, but the commission we receive does not influence the interest rate you will pay. This payment is made to us directly from the lender.
You will receive written Disclosure of Commissions in Relation to Your Finance Agreement, providing the full details of any commission paid which is included in the overall cost of your finance.
- About our Insurance Services
We currently offer no optional insurance products.
- Customer Care, Dispute Resolution and Complaints:
We work hard to ensure that the finance and insurance services we offer are fair and that our communication to our customers is clear, and not misleading. However, if you are unhappy with either service please contact:
Complaints Manager, Bridgend Garage Limited at our registered address above
Telephone no: 01294 555400 E-mail: customerservices@bridgendgroup.co.uk
We will answer any complaints as quickly as possible but always within eight weeks.
If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. This service is free to use. Their consumer helpline is available on 0300 123 9123 or visit www.financial-ombudsman.org.uk
The Financial Services Compensation Scheme (FSCS) – applicable to insurance services only
We are covered by the FSCS. This means that you may be entitled to compensation from the Scheme if we are unable to meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim without any upper limit. Further information about compensation scheme arrangements is available from FSCS.
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Making an enquiry about who the Lender was?
Following on from the broadcast of Martin Lewis’s TV programme on 6th February 2024 about this, we are experiencing an influx of requests from customers wishing to identify whether or not their finance agreement/s were subject to a DiC Finance Model.
https://www.moneysavingexpert.com/reclaim/reclaim-car-finance/
The programme indicated that claims could be made for agreements in place between 6th April 2007 and 28th January 2021.
Your enquiry should be made to the lender that provided the car finance. This is the firm you actually paid each month – not the broker/car dealer.
Check any agreement documentation you have and collect as much information as possible about your car finance agreements.
Find out where to enquire: even if you don't have details
If you don’t know who the Lender was please contact us by email here. Please include the following in your email:
- Name
- Address (at time of purchase)
- Date of purchase
- Make and model
- Vehicle registration number
We will try to supply this information as quickly as we can.
You can also:
· Check your credit report. If your agreement has been active in the past six years, it should be listed on there. You can also check any old bank statements if you have them.
· If you’ve found the firm’s name, but don’t know the finance agreement details, give it a call and ask it to provide them. Though be aware, firms only need to keep information on finance agreements for six years after the agreement ends.
· If your agreement's older, it's still worth asking as different firms may have different attitudes. But if it can’t help, this may all boil down to whether you’ve found your paperwork.
Yours sincerely
Bridgend Motor Group
