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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.

Value your vehicle at Dobies

Lets see how much your car is worth

Value My Car