07940 909999 / 01438 831002


At Merchants Cars and Finance, we pride ourselves on being able to help customers who require vehicle finance, some of which may have previously been refused car credit.
We are a family Run Business with Nicks 15 years experience in helping customers with Poor Credit obtain Car Finance
We offer a personal 1:1 service to ensure all of our customers get the best level of finance for their circumstances, which in turn can help rebuild their credit score.
We believe customers in this position should have a choice of car to fit the lend and personal monthly/weekly budget as apposed to the customer being restricted to dealers stock.

Our Values

Treat Customers Fairly in obtaining finance and providing a vehicle of choice

To consider all applicants who have the need to access a vehicle, subject to underwriting criteria and responsible lending

Listen to customers and their circumstances in order to lend responsibly

To take positive action to help and retain customers

Provide High Quality Customer Service

To have clear direction and transparency in handling our customers enquiries

Provide fast solutions to customers problems


Merchants Cars & Finance is a licensed credit broker and not a lender, we are authorised and regulated by the Financial Conduct Authority for consumer credit FCA no. 777892, Merchants Cars & Finance can introduce customers to a limited number of finance providers based on overall credit profile and may receive a commission for such introductions. Merchants Cars & Finance do not charge a fee to the customer for this service.

Cheap budget cars also available with no finance