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We provide simple, fair, car credit checks with no judgement or prior assumptions. We’re here to help and there are no pushy sales people.

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Popular finance options explained

Here are two popular motor finance methods. Click on the relevant tile for details and further explanation.

(PCP) Personal Contract Purchase

A finance product designed to help reduce monthly payments by delaying part of the repayment until the end of the agreement.

  • Mileage restrictions.
  • Payments are fixed and so is the interest rate.
  • You won’t own the car during the contract period.

You won’t own the car during the contract period, but you will be presented with three options at the end of the period allowing you to choose between:
a) Pay a pre-agreed amount to own the car outright
b) Trade in your current vehicle and it’s value towards the deposit on another car
c) Hand the car back

Search For A Vehicle More Details on PCP Free Credit Check

(HP) Hire Purchase

One of the simplest forms of finance, if you want to own the vehicle outright at the end of the agreement, this is likely to be the product for you.

  • No mileage restrictions.
  • Payments are fixed and so is the interest rate.
  • Further to paying the final instalment, the vehicle is yours.
Search For A Vehicle More Details on HP Free Credit Check

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Want to know more?

When you’re ready for a no obligation, informal chat, pop in and see us and we’ll go through your options. We aim to have you affordably driving away in your next car and enjoying many smiles of motoring.

Each company within the CSM Group acts as a credit broker, sourcing credit to assist our customers’ purchases from a carefully selected panel of lenders. Lenders may pay us a fee for these introductions. A guarantor may be required. All offers and credit subject to status, terms and conditions. Applicants must be 18 years or over. The APR is dependent upon your individual circumstances, the term and loan amount. For further details of our finance status and full trading details, please see the bottom of this page.

Representative Example Price: £13,795.00 Representative 10.90% APR
Product Deposit Total Amount of Credit Payable by 1 Payment Followed by Monthly Payments of

And a Final Payment of

Total Amount Payable
PCP £2,759.00 £11,036.00 £210.35 41 £210.35 £4,968.00 £16,561.70
Included in the final payment shown is a fee of £10.00, Included in the final payment shown is a fee of £10.00. Rate of interest 9.45% fixed

CSM (Basingstoke) Ltd Trading as J Davy Basingstoke is an Appointed Representative of Automotive Compliance Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA No 497010). Automotive Compliance Ltd’s permissions as a Principal Firm allows CSM (Basingstoke) Ltd Trading as J Davy Basingstoke to act as a credit broker, not as a lender, for the introduction to a limited number of finance providers and to act as an agent on behalf of the insurer for insurance distribution activities only.