Vehicle finance

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Affordable monthly payments

Spread the cost of your next car into affordable monthly payments.

Flexible deposit amount

We accept deposits of all sizes; the larger the deposit the lower the monthly payments.

Putting you in the car you want

Drive away in the car you want on a finance deal that suits you.

How does car finance work?

Car finance allows you to spread the cost of your next car into monthly payments. There are different finance packages available to you and we are here to help you choose the right one.

01

Choose your budget

There are several finance options available to you, and we have some explanations below to help you make the right choice. All finance deals are subject to monthly payments, so once you have your chosen budget use our search by budget tool to search for cars that suit this.

Search by budget

02

Choose your car

Once you have a budget in mind you can search for your next used car from our showroom. Why not make use of our compare section and see which of your chosen cars will suit your lifestyle needs best.

View showroom
BMW M3 | Stirling Cars

03

Secure your finance deal

Once you have chosen your car and a finance deal that suits your needs then either give us a call, or contact us using a contact form on our website. You also have the option to apply for finance directly from our website and get a quick decision.

Finance types

04

Drive away!

Once your finance deal has been secured we will have your car ready and waiting for you to drive away in. At Stirling Cars we are SAF approved and authorised and regulated by the Financial Conduct Authority.

Apply today
Porsche 911 | Stirling Cars

Your finance options

We have different finance packages available for you. If you are looking to own your car at the end of your finance term then check out the benefits of Hire Purchase, if you would like to keep your options open and have lower monthly payments then check out Personal Contract Purchase.

Choose your budget

Use the slider below to search our showroom by your chosen monthly repayment amount!

up to /month

With your budget..

You could afford to finance a
Vauxhall Astra or similar.


SAF Approved

We are an accredited SAF Approved Dealership in association with the FLA. Our certification as an SAF Approved Dealer means that all our finance customers can rest assured that they are receiving expert information from a highly knowledgeable Motor Dealership whose staff are committed to raising standards and improving knowledge on finance sold to private and business car buyers.

Ready to apply for finance?

Use our quick finance application to send us your details and let us help you search for your next used car.

Apply now
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Want to own your car?

Hire Purchase

Hire Purchase allows you to spread the cost of your next car for up to 60 months. At the end of your chosen term you own the car. You can even pay a deposit or part exchange your old car against the value of your new car to lower your monthly payments.


  • Put down a deposit or part-exchange your old car to lower monthly payments.
  • Pay equal monthly amounts until you have paid off the balance outstanding.
  • Once the balance has been settled you own the car.

Want to own your car?

Personal Contract Purchase

Personal Contract Purchase is great if you would like to keep your options open and have lower monthly payments. You will only finance the depreciation of the car over your chosen term allowing you to keep payments down and options open. At the end of your term you can hand the car back, part-exchange it for another or pay the outstanding balance and own it.


  • Keep your options open and have lower monthly repayments.
  • Decide to keep the car, give it back or part-exchange it at the end of your term.
  • An easy way to change your car every few years.