Personal Vehicle Finance

Welcome to Dobies Cumbria Finance, whether you're looking to buy a new or used car, or even light commercial vehicle we are here to help you find the perfect finance agreement to meet your individual needs.

The Dobies brand was established over 50 years ago and has been an integral part of the community ever since. Our finance department began lending in 2013 and have provided personal finance to over 1200 customers since we began. As a family run business, we pride ourselves on the care that we can provide our customers and as such achieve long-standing relationships with the customers we lend to.

If there are any answers you can't find on our website you can always call our finance department on 01900 871234 or email

Which finance is right for you?

PCP (Personal Contract Purchase)

PCP is perfect for drivers who:
  • Want lower monthly payments
  • Might want to change their car at the end of their agreement
  • And can estimate their annual mileage
At the end of the agreement you have a few options:
  • Hand back the car
  • Pay an optional final payment and keep the car
  • If your car is worth more than the final payment,
    you can trade it in and use the excess towards a deposit on your next car.
  • Minimum term length 25 months
  • Maximum term length 48 months (subject to vehicle)
  • Can only be used against cars aged 3-48 months old
  • Can only be used against cars over £5,000.00
  • APR 10.90% subject to Terms & Conditions

Watch PCP Video

HP ( Hire Purchase)

HP is ideal for drivers who:
  • Want to own their car outright at the end of the agreement
  • And cover a lot of miles
At the end of the agreement:
  • You won't have a larger final payment
  • When you've made all the monthly payments, the car is yours
  • Minimum term length 12 months
  • Maximum term length 48 months (subject to vehicle)
  • Can only be used against cars aged up to 84 months old
  • APR 10.90% subject to Terms & Conditions on cars over £3,500.00
  • APR 19.90% subject to Terms & Conditions on cars under £3,500.00

Watch HP Video

Before applying please read the following;
  • We can only accept applicants between the ages of 18 to 80 years old
  • We need your last 3 years address history
  • We need a valid email address and mobile number
  • We will need a copy of your driving license
  • The information you provide within this application for finance will be used in order to perform a credit check to assess your creditworthiness for the application of finance
  • The income details you provide will need to be net of any tax or national insurance deductions, this means the actual amount of money you receive into your bank on a monthly basis
  • Once submitted one of our team will contact you within 24 hours
  • If you have got a question please call 01900 871234 or email

Dobies Cumbria Finance Limited is authorised and regulated by the Financial Conduct Authority. Finance subject status and acceptance.

Registered Office: Dobies Business Park, Lillyhall West, Workington, Cumbria, CA14 4HX

Registered Company Number: 08439091

Dobies Cumbria Finance are registered as a data controller with the Information Commissioners Office and our registration number is Z1383897X. View our privacy policy here.