Car finance in Leeds

Investing in a car is an exciting time, but we appreciate it can also be an expense you may not have planned for. This is why we are happy to offer finance solutions on our entire range of used cars here at

As an established used car dealership in Pudsey, Leeds, we’ve helped many thousands of customers secure finance on their used car to help make their purchase even more affordable. Customers across West Yorkshire and beyond are pleasantly surprised at just how competitively priced used car finance can be. 

While we’re not a finance lender ourselves, we have spent years cultivating relationships with some of the best car finance companies in the UK. As a broker, we are best placed to advise and support your finance application and will do everything we can to get you approved.

Used car finance solutions

Whether you’re located within our local community of Pudsey, live within the city of Leeds, the county of West Yorkshire or beyond, we can help with car finance. We offer both Personal Contract Purchase (PCP) and Hire Purchase (HP) finance solutions to our customers. Click on the links below where we explain more about each finance option, so you can decide on the best solution for your needs.

What are the benefits of financing a car?

Regardless of whether a car is new, nearly new, or secondhand, the value to the person wishing to own that vehicle is the same. Financing a car is fast becoming the preferred method of purchasing a new or used car in the UK. Why are so many motorists opting to finance a car? Here are just a few reasons why it could prove the perfect choice for you:

  • You won’t need to save a large amount of money to pay for the car outright
  • You can effectively manage your monthly payments
  • You can change your car more frequently    

Poor credit car finance

We understand that during these uncertain economic times, your credit rating may not be as good as you’d hoped. In this instance, we will still do everything we can to help. has been family run since 2001, so we have many years of experience not only establishing, but nurturing our relationships with lenders.

As such, we work with a handful of companies that specialise in providing used car finance for those with a poor credit score. Times are hard and lenders are becoming more aware of the fact that everyone deserves a chance when applying for car finance. Speak to one of our friendly team to find out how we can help.

Zero deposit car finance

Many car finance deals are subject to an initial upfront deposit. We appreciate that with the cost of living going up, not everyone can afford to pay an initial amount to secure their used car finance agreement. This is why we also work with lenders who can offer zero deposit finance deals on our used cars. 

In this instance, an upfront payment is an optional requirement only, so you can choose to go ahead with the finance agreement by opting for monthly payments only. Do bear in mind that in this instance, your monthly payments are likely to be higher than if you were to agree to an initial payment of between three to six months upfront. Again, we can speak with you about your options.  

Part exchange car finance deals

Here at, we are only too happy to welcome a part exchange deal for your current car. With this in mind, we can also accept your car for part exchange so you can use the money to invest in another used car on a finance deal. This means that the price you receive for your current car is offset against the amount you borrow from the lender. Get in touch and find out what your car could be worth - we offer excellent part exchange prices.

Free car finance credit check

Find out if you’re likely to be approved for car finance by using the FREE credit check service on our website. Look for the green Free Credit Check button listed underneath each of our used cars - here you can check your credit score without it affecting your credit rating. 

You can also use our free finance calculator to work out what you could be paying for a used car each month. Simply adjust the term length, your monthly payment or deposit amount to receive a quote.   

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  • A very popular form of car finance, Personal Contract Purchase is also referred to as PCP for short. When deciding on what form of car finance is suitable for you and your needs, it’s important to have a thorough understanding of your options. Here at, we want to help you make the right decision when it comes to financing a used car. A PCP agreement could be the perfect solution for you if you’d prefer a flexible form of car finance that can offer lower monthly repayments.
  • A popular form of car finance, Hire Purchase is also referred to as HP for short. When deciding on the type of car finance for you and your needs, it’s important to have an in-depth understanding before entering into an agreement. Here at, we want to help you make an informed decision when it comes to financing a used car. An HP agreement could be the ideal solution if you’d prefer to pay for a vehicle over a set period of time.
Transport For London

Cars need to meet minimum emission standards when travelling in the Ultra Low Emission Zone (ULEZ) or the daily charge must be paid.

Minimum emission standards

Petrol: Euro 4
Diesel: Euro 6

The ULEZ will be enforced based on the declared emissions of the vehicle rather than the age. However:

Information from Transport For London

Check this car on the TFL website before purchasing:


At First4car we charge an admin fee of £50 when you purchase a used vehicle from us. The admin fee pays towards the preparation of your new car, to make sure it’s safe and immaculate when you drive it away.

Admin fee is charged as listed below: