At Charles & Dean we have access to a large panel of lenders, through these lending partners we can compare hundreds of finance deals for you, through our contacts and negotiating power we will work to find you some of the lowest possible rates and monthly payments available. Fill out our contact form and speak to a member of the team, who can provide guidance on the finance options available, from Personal Contract Purchase (PCP), Lease Purchase (LP) to Hire Purchase (HP). Once you have decided what option suits you best, we can submit your finance application. Once your finance application has been approved, your Charles & Dean finance specialist will work with your chosen dealership until your new vehicle is ready to collect. Simple.

✅ Affordability and Budgeting Cars, especially new ones, can be very expensive. Financing allows you to spread the cost over a period of time suited to you, making it more manageable within your monthly budget. ✅ Depreciation Some modern cars can depreciate quickly. Financing allows you to avoid tying up a large amount of money in a depreciating asset. By financing, you can use your savings for other investments that might appreciate or offer better returns. ✅ Cash Flow Management By financing a car, you can keep more of your savings intact, providing a financial cushion for emergencies or other unexpected expenses. Charles & Dean clients often prefer to invest their money elsewhere such as stocks or businesses, where it can potentially grow rather than spending it all on a car. ✅ Upgrading Financing could allow you drive newer cars more frequently dependant on your term. Many PCPs are structured to allow upgrading to a new model every few years. ✅ Inflation and Economic Factors In times of inflation, financing at a fixed low interest rate can be advantageous as the real value of money borrowed decreases over time. In some economic climates, borrowing can be more favourable than spending cash reserves. ✅ Credit Building Financing a car can help individuals build or improve their credit history and credit score, as long as they make timely payments. This can be beneficial for securing future loans or mortgages.

✅ Access to Multiple Lenders: We work with multiple lenders, providing access to a wider range of financing options than a single lender. Our specialists will compare rates and terms from different lenders to find the best deal for you and your needs. ✅ Expertise and Guidance: Our brokers are knowledgeable about the car finance market and will offer expert guidance tailored to your financial situation. We will help navigate the complexities of financing options, making the process smoother and less overwhelming. ✅ Time and Effort Saving: Let us do the leg work. Our team handle much of the paperwork and negotiations, saving you time and effort. We streamline the application process, making it quicker and more efficient. ✅ Customised Solutions: We can tailor financing solutions to fit your specific needs and circumstances, offering more personalised options. Our brokers can often find lenders with more flexible terms, such as lower down payments or longer repayment periods. ✅ Credit Considerations: We can help find financing options for those with complex incomes profiles. Whether you derive income from multiple sources such as investments, businesses, or anything else. Our specialists have experience funding vehicles for high-net-worth and ultra-high-net-worth individuals. ✅ Transparency and Support: Our team provide clear, detailed information about different financing options and associated costs, and offer support throughout the loan process, from application to approval and beyond. ✅ No Direct Cost to You: Charles & Dean is paid by the lenders, meaning you don't have to pay for our services directly. In summary, using Charles & Dean for car finance can provide access to a broader range of options, expert guidance, time savings, personalised solutions, better deals through negotiation, and support throughout the process.

Charles & Dean clients typically place a deposit of 10-20% of total cost of the vehicle. However, this sum will depend on your unique financial situation and whether you are buying a new or used car. The more money you can put down as a deposit the less you’ll have to borrow and therefore the lower your monthly repayments will be, and the less interest you will pay over the duration of your agreement. Some of our clients will seek to put down the lowest possible deposit and use that capital in other income-generating areas.

We offer finance options for all vehicles over £25,000, including a wide range of supercars, prestige, and performance vehicles from renowned brands. This includes models from: Ferrari: 488 GTB, 812 Superfast, SF90 Stradale, F8 Tributo, Roma Porsche: 911 Turbo, 911 Carrera, Taycan, Panamera, 718 Cayman, Macan, Cayenne Lamborghini: Aventador, Huracán, Urus Aston Martin: DB11, DB12, DBX, Vantage, DBS Superleggera, McLaren: 720S, 750S, 540C, 570S, 570GT, 600LT, 765LT, Artura Bentley: Continental GT, Flying Spur, Bentayga Rolls-Royce: Phantom, Ghost, Cullinan, Wraith Bugatti: Chiron, Divo Maserati: Ghibli, Quattroporte, Levante, Audi S/RS: RS6 Avant, RS7, R8 Range Rover: Autobiography, Sport, Velar, SVR Mercedes: S-Class, AMG GT, G-Class (G Wagon), AMG E63, AMG GLE 63, AMG C63 BMW: M4 Competition, M5 Competition, M8 Coupe, M8 Convertible, M8 Gran Coupe, X5 M, X6 M, X7 M60i, iX M60 Lotus: Emira, Evora GT, Exige, Elise, Eletre If your desired vehicle isn't listed here, we provide competitive finance options for many other high-end makes and models. Feel free to inquire about any specific car you're looking to finance.

There are many factors that will affect the rate you are charged. Fill out the contact form and a member of the team will discuss rates with you after understanding more about your financial situation and what you are planning to buy.

Our lender partners will need to carry out a full credit search when considering your application. This will leave a search on your credit file that is visible to other lenders. Although multiple searches in a short space of time can affect your ability to obtain credit, a manageable number of finance agreements, that are paid for in line with the agreement, can actually help to improve your credit rating.

Charles & Dean can discuss your personal circumstances and consider affordability for additional agreements. Charles & Dean can also revise your current agreement through refinance.

Yes – you can purchase your car from a dealer, private individual or at auction. Request a call back today and our team is here to support with your next purchase.

Yes you can. However, charges will usually apply. These details will be outlined in the terms and conditions of your contract. For additional information, please request a call back today.

Absolutely. At Charles & Dean Finance, we understand that income sources can vary widely among individuals. Whether you're self-employed, receive income from multiple sources, or have unconventional income streams, we could help. Our expert team specialises in creating finance solutions tailored to accommodate complex income structures.

Yes – you can purchase your car from a dealer, private individual or at auction. Request a call back today and our team is here to support with your next purchase.

Car finance rates are dropping - now is the time to refinance! Did you take out a finance agreement at the peak of interest rates? Charles & Dean could help you unlock new lower rates through our large panel of lenders. Want to learn more about refinance or discuss a car purchase? Contact our team today.