Specialist Car Finance

Flexible Financing Solutions at Joseph Sutton

At Joseph Sutton, we believe that the road to your dream car should be smooth and accessible. Our flexible financing options are designed to make your car-buying experience stress-free, offering tailored solutions that fit your budget and lifestyle.

Why Finance with Joseph Sutton:

Personalized Guidance:
Our team of finance experts is here to guide you through the financing process. Whether you're a first-time buyer or have specific financial considerations, we'll work closely with you to find the best solution.

Competitive Rates:
Benefit from competitive and transparent financing rates. We strive to provide you with the most favourable terms, ensuring that you get the best value for your investment.

Quick and Easy Approval:
Experience a hassle-free financing approval process. Our streamlined application process is designed to get you approved quickly, so you can focus on selecting the perfect car.

Options for Every Budget:
At Joseph Sutton, we understand that every buyer has unique financial needs. That's why we offer a range of financing options to accommodate various budgets. Find the plan that works for you.

How It Works:

Choose Your Car:
Explore our extensive inventory of hatchbacks and small cars. Once you've found the one that suits your preferences, it's time to take the next step.

Consult with Our Finance Experts:
Get in touch with our friendly finance team to discuss your financing options. We'll provide you with a clear understanding of the terms, rates, and repayment plans available to you.

Submit Your Application:
Complete our straightforward financing application. Our team will review your application promptly, keeping you informed throughout the process.

Approval and Car Selection:
Once approved, you're one step closer to driving away in your dream car. Choose your preferred hatchback or small car, and we'll finalize the details to make it yours.

Drive Away with Confidence:

With the financing secured, you can drive away with confidence, knowing that you've chosen a reliable and affordable financing solution.

Your Journey Starts Here:

Begin your journey towards owning the perfect car with Joseph Sutton's financing options. We're dedicated to making the financing process transparent, convenient, and tailored to your needs. Drive the car you've always wanted without compromising on your financial goals.

Contact us today to start exploring your financing options and make your dream car a reality. At Joseph Sutton, your satisfaction is our priority, and we're here to support you every step of the way.

Initial disclosure document

Joseph Sutton Motor Company Ltd

The Financial Conduct Authority is the independent regulator of financial services. The Financial Conduct Authority require us to provide you with a document called an 'Initial Disclosure Document'. This document provides information about us, the products we offer, the services we will provide, what we charge for our services, who regulates us, what to do if you have a complaint and details about the Financial Services Compensation Scheme.

What services do we provide?

We will provide you with either comparable details of firms most appropriate to your lending or purchase requirements or general information relating to finance products. In assessing your requirements, we may seek such information about your personal circumstances and objectives as might be relevant to enable us to identify your needs. It is important that you provide us with accurate and relevant information. You will not receive advice, or a recommendation from us, but we may ask questions to narrow down the selection of firms offered, from which you can more easily make your own choice if you so wish. Joseph Sutton Motor Company Limited are authorised and regulated by the Financial Conduct Authority under FRN Reference number: 751604. Finance Subject to status. Other offers may be available but cannot be used in conjunction with this offer. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase. We are only able to offer finance products from these providers. Indemnities may be required in certain circumstances. Finance is only available to UK residents aged 18 or over, subject to status. Terms and Conditions apply. On a PCP product you do not have to pay the Final Payment ONLY if you return the vehicle at the end of the agreement, you have paid all other amounts due, the vehicle is in good condition and has been serviced in accordance with the service book. Excess Mileage charges may apply along with other terms and conditions, which will be contained within the finance agreement.

Whose products do we use?

As a Financial Conduct Authority regulated credit broker, we can introduce you to a range of lenders who may be able to help you finance your vehicle and provide other products/services.
Do we charge for our services?
No, we do not charge fees for our broker related services. We are a commission and fee-based organisation which means that we will receive a payment(s) or other benefits from finance providers should you decide to enter into an agreement with us. These fees may be variable or pre-set dependent on the product and the volume that we place with the chosen supplier.
WE WILL RECEIVE A COMMISSION FOR INTRODUCING THIS TRANSACTION TO THE LENDER. The amount is available from us on request. Please let us know if you need further information.
Joseph Sutton Motor Company Limited are authorised and regulated by the Financial Conduct Authority under FRN Reference number: 751604. Finance Subject to status. Other offers may be available but cannot be used in conjunction with this offer. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase. We are only able to offer finance products from these providers. Indemnities may be required in certain circumstances. Finance is only available to UK residents aged 18 or over, subject to status. Terms and Conditions apply. On a PCP product you do not have to pay the Final Payment ONLY if you return the vehicle at the end of the agreement, you have paid all other amounts due, the vehicle is in good condition and has been serviced in accordance with the service book. Excess Mileage charges may apply along with other terms and conditions, which will be contained within the finance agreement.

Who regulates us?

Joseph Sutton Motor Company Ltd is authorised and regulated by the Financial Conduct Authority. Our firm's reference number is 751604. You can verify this on the Financial Conduct Authority\'s Register by visiting the Financial Conduct Authority\'s website: http://www.fca.org.uk/register/ or by contacting them on 0300 500 8082.
Other services we offer are not regulated by the Financial Conduct Authority however the Financial Ombudsman Services has now been extended to handle some complaints under the Consumer Credit Act.
If you have a complaint
Please visit our complaints procedure page on our website: https://www.josephsutton.co.uk/pages-termsandconditions/


Joseph Sutton Motor Company Limited are licensed by the Financial Conduct Authority and appointed by a panel of specialist lenders. We are pleased to offer competitive finance options for the purchase of your car.

We are a credit broker and not a lender. We can introduce you to a limited number of lenders and their finance products which may have different interest rates and charges. We are not an
independent financial advisor. We will provide details of products available from the lenders we work with, but no advice or recommendation will be made. You must decide whether the finance product is right for you. We do not charge you a fee for our services. Whichever lender we introduce you to, we will typically receive commission from them (either a fixed fee or a fixed percentage of the amount you borrow). The lenders we work with could pay commission at different rates. However, the amount of commission we receive from a lender does not have an effect on the amount you pay to that lender under your credit agreement.

We offer a range of finance packages to suit you. These include Hire Purchase (HP) and Personal Contract Plan (PCP) with repayments over 1- 5 years. We will provide details of products available from the lenders we work with, but no advice or recommendation will be made.

Please fill in your details below so that we can submit your application or please call us on 01892 883113 for quotes and information.

Joseph Sutton Motor Company Limited act as a non-independent credit intermediary for a limited number of lenders and are able to offer a limited number of finance products from these providers. Whichever lender we introduce you to, we will typically receive commission from them (either a fixed fee or a fixed percentage of the amount you borrow). The lenders we work with could pay commission at different rates. However, the amount of commission we receive from a lender does not have an effect on the amount you pay to that lender under your credit agreement.

Joseph Sutton Motor Company Limited is authorised and regulated by the Financial Conduct Authority for consumer credit activities (Firm Reference Number 751604) . You can check this on the FCA Register by visiting www.fca.org.uk or by contacting the FCA direct on 0300 500 8082. Joseph Sutton Motor Company Limited is a Credit Broker not a Lender.
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