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Personal Vehicle Finance - Affordable Car Finance Options from a Trusted Local Lender

Personal Vehicle Finance - Affordable Car Finance Options from a Trusted Local Lender

Make an Enquiry

Whether you're looking to buy a new or used car, or even a light commercial vehicle, we’re here to help you secure the right finance agreement to suit your needs, lifestyle, and budget.

We understand that no two drivers are the same — that’s why we take the time to get to know your circumstances and tailor your finance package accordingly.

Have a question? Call us on 01900 871234 or email finance@dobiescumbria.com — we’re here to help.

 

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.

Based in West Cumbria | 01900 871234 | finance@dobiescumbria.com

Which finance is right for you?

PCP (Personal Contract Purchase)

Perfect for drivers who:

  • Want lower monthly payments
  • Like to change their car every few years
  • Can estimate annual mileage

At the end of the agreement, you can:

  • Hand the car back
  • Pay the optional final payment and keep the car
  • Trade it in and use the value toward your next car

PCP Terms:

  • Loan term: 25–48 months
  • For cars aged 3–48 months
  • Minimum vehicle value: £5,000
  • APR 11.9%, subject to terms & conditions

HP ( Hire Purchase)

Ideal for drivers who:

  • Want to own the car outright
  • Drive higher annual mileage
  • Prefer a simple agreement with no large final payment

At the end of the agreement:

  • The car is yours once all payments are made

HP Terms:

  • Loan term: 12–48 months
  • For cars aged up to 84 months
  • APR 11.9% (or 19.9% for vehicles under £5,000)
Before You Apply – What We Need

To apply for personal vehicle finance, please ensure you:

  • Are aged 18–80
  • Can provide 3 years of address history
  • Have a valid email address and mobile number
  • Can supply a copy of your driving licence
  • Provide your net monthly income (after tax and NI)
  • Understand we will conduct a credit check to assess eligibility

 

Once submitted, a member of our finance team will be in touch within 24 hours.

Apply for Car Finance Today

Whether you’re buying a new or used vehicle, we make financing straightforward, fast, and personal.

Find your NEW car

Build your finance quote and [apply online here]

Find your USED car

Once your application is submitted, a member of our finance team will contact you within 48 hours.

Car Valuation

Need to know the value of your car?
Let us help. Enter your vehicle registration to begin.

 

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Terms & Conditions | Privacy Policy | Cookie Policy | Site Map | Careers | Disclaimer

Copyright © 2025 Dobies Cumbria Motors Ltd. All Rights Reserved.
VAT Number - 847 9480 72 | Company Number - 05291685 | FCA Number - 688096

Finance Example: Peugeot - 308 1.6 Hybrid Allure Premium 5dr e-EAT8, Duration of Agreement 36 Months, Finance Product Personal Contract Purchase, Vehicle Price £25,950.00, Customer Deposit £6,000.00, Total Deposit £6,000.00, Balance to Finance £19,950.00, Total Charge For Credit £5,674.85, Total Amount Payable £31,624.85, Monthly Payments £420.71, Optional Final Payment £10,775.00, Contract Length 36 Months, APR 12.9% APR, Interest Rate (Fixed) 12.31%, Mileage per annum 10,000, Excess Mileage Charge 12.50ppm, Cash Price Inc VAT £25,950.00

Dobies Cumbria Motors Limited is authorised and regulated by the Financial Conduct Authority (FCA) (our registration number is 688096) as a credit broker who work with a panel of lenders to offer finance options to customers, however our primary business is to sell and repair vehicles. To be clear we are not a lender and do not offer advice or any recommendations, we only introduce you to a limited number of finance lenders, which includes manufacturer lenders linked directly to the franchises that we represent. We act on behalf of the lender for this introduction and not as your agent. We are not impartial, and we are not an independent financial advisor and we may act in our own commercial interests. Our panel of Lenders include Dobies Cumbria Finance Ltd, Evolution Funding Ltd and Stellantis Financial Services Limited.

Unless we consider it to be inappropriate given your personal circumstances or for certain vehicles our approach is to introduce you to Dobies Cumbria Finance Ltd for used vehicles and Stellantis Financial Services Ltd for new cars. If they are unable to make you an offer of finance, we then seek to introduce you to whichever of the other lenders on our panel is able to make the next most suitable offer of finance for you. Our aim is to secure a suitable finance agreement for you that enables you to achieve your financial objectives. If you purchase a vehicle, in the majority of cases, we will receive a commission from your lender for introducing you to them which is either a fixed fee, or a fixed percentage of the amount that you borrow. This may be linked to the vehicle model you purchase.

Different lenders pay different commissions for such introductions, and manufacturer lenders linked directly to the franchises that we represent may also provide preferential rates to us for the funding of our vehicle stock and also provide financial support for our training and marketing. But any such amounts they and other lenders pay us will not affect the amounts you pay under your finance agreement; however, you will be contributing towards the commission paid to us with the interest collected on your repayments. Before we propose you to a potential lender, we will inform you of the likely amount of commission we will receive and seek your consent to receive this commission. The exact amount of commission that we will receive will be confirmed prior to you signing your finance agreement.

All finance applications are subject to status, terms and conditions apply, UK residents only, 18s or over. Guarantees may be required. Rate may vary from the original proposal depending on your credit score, the vehicle, the amount to borrow or the level of deposit.Registered Address: Dobies Business Park, Lillyhall West, Workington, Cumbria, CA14 4HX.

We try our hardest, but errors do occur sometimes. All vehicle information, images and specifications included may not be correct and are for illustration purposes only. All new and used car information is provided by CAP. The actual specification of a vehicle at the time of purchase may differ from that listed above and should be clarified at the time of your purchase. Any offers or prices are subject to change and do not constitute an offer to sell. Depending on the age of the vehicle, MPG and CO2 may be quoted using either NEDC or WLTP testing standards. Figures are provided for comparison purposes. Fuel consumption under real world driving conditions and the CO2 produced will depend upon a number of factors, including any accessories fitted after registration, variations in driving styles, weather conditions and vehicle load.

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