Loans and Debt Management

Vehicle Finance & Leasing

Higher Purchase


We Specialise in accepting your declined Hire Purchase and Leasing Proposals...



Typical net
flat rate



Max lend of
Guide trade

Tier 1 10% £2,000 £75,000 110%
Tier 2 13% £2,000 £60,000 105%
Tier 3 17% £2,000 £50,000 100%


  • Cars and vans up to 70,000 miles and 7 years old at the outset
  • 48 month term for vehicles up to 4 years old
  • Typical £150 fee with first payment
  • Typical £150 fee with the final payment

Please submit last 3 months concurrent payslips and bank statements along with copies of both parts of drivers’ licences when submitting your proposal

*Please call Countrywide Money on 0800 195 3757 if it falls outside the above parameters

Customer Profile

  • Minimum age 18, but, a joint hirer may be required 
  • Must be a UK resident [Excluding Scotland, N.Ireland, Channel Islands & Isle Of Man]
  • Homeowner, tenant or living with parents 
  • Can be employed, self employed or retired (if retired we will need proof of all pension income) 
  • We accept proposals for Limited Companies Customer exclusions & partnerships 
  • If a joint application, the relationship must be spouse/partner/parent/son/daughter/brother or sister. Must be a UK resident (subject to the above exclusions) 
  • We do NOT exclude benefit payments 
  • We do NOT exclude caravans and motor homes

Vehicle Exclusions

  • Taxis, private hire, limousines, minibuses, bikes and imports 

Customer Exclusions

  • Is a current bankrupt or in an IVA 
  • Does not have a bank account that accepts Direct Debits 
  • Cannot be involved in the business of vehicle sales 
  • Provisional licence holder

Payout criteria

Please note

  • Our lenders only pay out on receipt of all original documentation including the supplier’s invoice
  • Where cash is being received as whole or part of the deposit the lender will need written confirmation from the dealer that such deposit has been received in full
  • We require FULL clearance on any vehicle subject to any finance agreement prior to pay out
  • We will need a copy of the certificate of comprehensive insurance (cover notes and 7 day certificates are not accepted)
  • Our lenders does not finance insurance products or warranties
  • No imports or left hand drive vehicles
  • No military personnel
  • We do not write business in Scotland or Northern Ireland
  • Our lenders do not finance any vehicle that will be used for hire and reward


Representative Example: The Representative APR is 32.4% (fixed) so if you borrow £5000 over 4 years at a rate of 29.32% APR p.a. plus a £150 administration fee and £150 option-to-purchase fee, you will make a first repayment of £318.55, followed by 46 monthly repayments of £168.55 per month, and a final repayment of £318.55. The total amount repayable would be £8,390.40.


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