Car Finance in Plymouth | 10.9% Representative APR

Getting behind the wheel of your next car should be an exciting experience, not a stressful one. At Motor City Plymouth, we believe that finding the right car finance in Plymouth should be as simple and as straightforward as the test drive itself. As a highly rated dealership trusted by our customers, we work with a wide range of lenders to help drivers from all walks of life find a payment plan that fits their monthly budget.



Straightforward Car Finance in Plymouth

We pride ourselves on being a helpful, no-pressure dealership where you can explore your options at your own pace. Whether you have a perfect credit score or have been turned away by other lenders in the past, our team is here to help you move forward. We provide clear information on all our agreements, including our 10.9% Representative APR, so you always know exactly where you stand.

Our goal is to make car finance in Plymouth, UK accessible to everyone across Devon and Cornwall. By focusing on affordable car finance, we help ensure your monthly payments sit comfortably within your household budget. Every application is subject to status, and we handle every enquiry with the care and professionalism you deserve.

Finance Options Available

Personal Contract Purchase (PCP)

PCP is a popular choice if you like to change your car every few years. You pay a deposit and then make monthly payments, but you aren't paying for the whole cost of the car. At the end of the agreement, you can choose to pay a final "balloon" payment to keep the car, trade it in for a new one, or simply hand the keys back.

Hire Purchase (HP)

If you want to own your car outright at the end of the agreement, Hire Purchase is a great option. After you have made your final monthly payment, the car is yours to keep. This is a simple way to spread the cost of a car over a period of time that suits your lifestyle.

Conditional Sale

This is very similar to Hire Purchase because you will own the car once all the payments are made. The main difference is that you are "conditioned" to finish the full payment plan. It is a straightforward way to get cars on finance with a clear path to ownership from day one.

Why Choose Motor City Plymouth for Affordable Car Finance?

We want you to feel confident that you are getting a great deal and a reliable vehicle. Located just off the A38 at the Deep Lane junction, we are easy to reach from Exeter, Ivybridge, and Saltash. When you choose us for affordable car finance, you get much more than just a loan; you get the peace of mind that comes with our "Motor City for Life" benefits.

  • Total Peace of Mind: Every car undergoes a 69-point safety check and comes with a 3-month warranty and a 12-month MOT.
  • Huge Selection: We have around 100 vehicles in stock across 19 different brands, with nearly half of them being automatics.
  • Ongoing Support: Enjoy free MOTs for life (T&Cs apply) and free puncture repairs for life to keep you on the road.
  • Value for Money: All our vehicles are HPI clear, and we offer a free monthly wash and vac to keep your car looking its best.
  • Easy Trade-ins: We welcome part exchange to help lower your monthly finance payments even further.

Used Cars on Pay Monthly - Browse Stock to Suit Your Budget

Our forecourt is filled with high-quality, mainstream used cars that are built to last. We specialise in vehicles registered between 2016 and 2020, typically with 40K to 75K miles on the clock. While our prices range from £6,999 up to £68,000, most of our stock sits in the £10,000 to £20,000 bracket, making them ideal for monthly finance plans.

Whether you are looking for a spacious family SUV for trips around Cornwall or a compact hatchback for commuting into the city, we have plenty of petrol and diesel options to choose from. You can browse our used cars online today to see which one fits your budget. Ready to get started? Fill in the form above and a member of the team will be in touch to help you.

Frequently Asked Questions

What Credit Score Do I Need For Car Finance?

There isn't one single "magic number" needed to get a car. We work with a variety of finance companies that look at your whole situation, not just a score. We encourage anyone looking for car finance in Plymouth to get in touch so we can see how we can help.

Can I Part Exchange My Current Car?

Yes, you certainly can! We can take your current vehicle as a part exchange and use its value as a deposit for your new finance agreement. This is a very common way to make your new monthly payments even more affordable.

How Long Does A Finance Application Take?

The initial application only takes a few minutes to fill out on our website. In many cases, we can get a decision back from our lenders on the same day. Once approved, we will guide you through the paperwork to get you behind the wheel as soon as possible.

Do You Offer Finance On All Cars?

We offer finance options across our entire range of used cars. Whether it is a premium SUV or a reliable hatchback, our team will work to find a plan that matches the vehicle and your budget.

Representative Example: Cash Price £15,999.00. Total Deposit £3,199.00. Total Amount of Credit £12,800.00. First Payment of £274.43, Followed by 58 Payments of £274.43, with a Final Payment of £274.43. Duration of Agreement is 60 Months. Fees of £0.00 are included in the payments shown. Interest Charges of £3,665.80. Total Amount Payable £19,664.80. Annual Fixed Interest Rate of £5.73%. Representative APR 10.9%.

Finance is subject to status. Terms and conditions apply. Motor City Plymouth acts as a credit broker and not a lender.

Motor City Plymouth 1. Search

Browse our selection of cars and pick out one that catches your eye.

Motor City Plymouth 2. Check

Get a free finance check without impacting your credit score.

Motor City Plymouth 3. Test

Arrange a test drive at a time and date that suits you.

Motor City Plymouth 4. Submit

Decide on an affordable deposit and monthly repayment to fit your budget and submit your application.

Motor City Plymouth 5. Accept

Get accepted and drive away!