What Vehicles Do We Finance?
– Cars (this also includes Classic, Sports and Prestige)
– Pick Up Trucks
– Equestrian Vehicles
How long can I take the finance over?
For Cars, Vans, Pick Up Trucks, Motorbikes and Trailers, the maximum term is 60 months (5 Years) – there is possibility for some flexibility on Classic and Prestige vehicles (subject to vehicle).
For Leisure vehicles such as Motorhomes, Caravans and Campervans, the maximum term is 120 months (10 Years)
For equestrian vehicles, the maximum term is 120 months (10 years)
What finance options are available?
We offer a wide range of finance products. Our finance calculator assumes a straight Hire Purchase or Conditional Sale agreement. However, we also offer:
– Hire Purchase (HP)
– Lease Purchase / Hire Purchase with Balloon
– Personal Contract Purchase (PCP)
– Lease with Balloon
– Contract Hire (please contact for information, we introduce all Contract Hire business to one of our finance partners)
Finance Products Explained
Which finance product to choose can sometimes feel like a complex process, especially if you haven’t opted for finance before. At Bear Credit we pride ourselves on providing clear, straight forward information to help you make the right finance choice. We want our customers to understand what product options are available, what they mean and how they can help. ‘Read More’ for information on our finance products.
What Deposit do I need to pay?
We offer from Zero Deposit however, for zero deposit you would need to be of ‘good credit’.
If the Vehicle attracts VAT, for HP we do expect the VAT as deposit. On some occasions, this is not required so please contact us for information if required before applying directly.
Limited Company wanting to apply for vehicle finance?
Get in touch for a personalised quotation and let us do the hard work for you.
Call us on 01502 473319 or message us via our ‘Contact Us’ page.
Private Individual, Sole Trader or Partnership wanting to apply for finance?
Follow our simple process. Obtaining a quote or completing finance with us is a simple as 1,2,3
1- Let us know what vehicle you are looking to purchase and who / where from.
2- Use our finance calculator or get in touch so we can provide a finance quote. If you are happy, complete our application form or contact us so we can propose to one of our funders for decisioning.
3- We liaise with and support the seller of the vehicle or asset and arrange finance completion with you, keeping all parties informed throughout the quick and easy process.
If you prefer, you can complete our application form. Making the process even easier!!
You can also use our Finance calculator for a representative example.Apply Now