I’ve never used a finance broker before, will it be a hassle?

Not at all, we make it simple. Charles & Dean will liaise directly with the dealer and lender on your behalf. We make sure the key steps are handled smoothly so you don’t have to juggle multiple conversations or chase paperwork. Our goal is to keep things stress-free, so you spend less time on admin and more time enjoying your new car.

Can I buy a car from any dealership?

Yes, we can arrange finance for cars purchased from any reputable dealer in the UK. Whether it’s a main franchise, independent specialist, performance showroom or approved used centre, we can help. We can also assist with purchases from private sellers and auctions, provided the vehicle value is at least £25,000.

Call Us: 01780 431269

Mon–Fri 9am–5:30pm

Get a Quote

Call Us on 01780 431269

Get a Quote

Found a Car at a Dealership?

Our Customers Save £13,000+*
on Average vs Dealership Finance

Our Customers Save £13,000+* on Average

Against Dealership Finance

Compare Car Finance Options

Car Finance for Vehicles £15,000+

Rates from 8.1% APR Representative

UK Regulated Broker

Speak to a Finance Specialist

Car Finance in 3 Simple Steps

Car Finance in
3 Simple Steps

Tell Us Your Needs

Tell us about the car you've found at the dealership, along with your desired budget and goals.

We Compare Lenders

We'll search across our wide panel of trusted lenders, giving you access to competitive rates that suit you.

Get Keys To Your Dream Car

We handle the hassle, assisting with the paperwork and co-ordinate with the dealership for you.

Find Out Your Rates

01780 431269

You Could Save Thousands On Your Car Finance

On average our customers save £13,240 over their full term, that's £275 per month*

Get in Touch

Have a question or still exploring your options? Speak directly with our motor finance experts and get personalised support from start to finish.

We’re open Monday to Friday 9:00am - 5:30pm

01780 431269

Request a Callback

Frequently Asked Questions

About Using a Broker

Finance Process & Options

Cars & Why People Finance

Charles & Dean is a specialist finance broker - not a dealership or a lender. Here are some of the main reasons our customers choose to work with us: 1. More choice Unlike going direct to a bank or dealer, Charles & Dean work with a wide panel of trusted lenders. That means you’re not restricted to one option. We compare the market to find competitive rates and terms that suit your budget and goals. 2. Expert guidance Car finance can be confusing - with options like PCP, HP, Lease Purchase, each offering its pros and cons. Our specialists cut through the jargon, clearly explain your choices, and recommend the solution that best suits your individual needs. 3. Save time and hassle Applying to multiple different lenders can be time-consuming and stressful. We handle the legwork, from paperwork to approvals, so the process is faster and simpler. You concentrate on choosing the car, while we handle the finance.

One of our UK-based Finance Specialists, from our London or Lincolnshire offices, will get in touch. You’ll speak to a genuine motor enthusiast who understands cars and has experience working with many leading dealerships in the UK. During the initial call, we’ll take details about you, the car and your preferred finance arrangements. We’ll then provide tailored quotes and explain the pros and cons of each option, so you can make an informed choice.

There’s no fee for enquiring or receiving finance quotes. If you decide to proceed, we receive a commission from the lender. Different lenders pay in different ways, using models such as: • Fixed fee • Fixed rate of commission • Percentage of the amount borrowed • Rate for risk (based on the application’s risk profile) For full transparency, details of the commission model, calculation and amount will be disclosed to you throughout your journey with us.

8.1% APR Representative** We are a credit broker not a lender.

**Finance subject to status, income, vehicle age and method of sale. Terms apply, 18+. We are authorised and regulated by the Financial Conduct Authority, registration number 653592. We will receive a commission payment for introducing you to a lender from our panel.

*Based on ten recent vehicle purchases with C&D’s APR Representative at 8.1%, versus dealer rates averaging 11.40% APR. Customers saved on average £13,420.80 on a finance advance averaging £113,119.28 Based on a 4-year PCP with a 57.76% balloon and vehicles up to 5 years old. We are a credit broker, not a lender. Credit subject to status, 18+, T&C's apply.

Charles and Dean Finance is a trading name of Charles and Dean Ltd, who are a member of the National Association of Commercial Finance Brokers. Charles & Dean are a credit broker and not a lender. We work with a Panel of Lenders to find you a potentially suitable arrangement for consideration. ICO registration ZA113861 and you can check this via www.ico.org.uk.

Registered address: 2 The Granary, Copthill Farm Enterprises, Deeping Road, Uffington, Stamford, PE9 4TD. Registered in England & Wales. Registration Number: 07924225.

We will receive commission from lenders. Different lenders pay different amounts depending on different commission models. For transparency we work with the following commission models: fixed fee, fixed rate of commission, percentage of the amount you borrow and rate for risk (this is based on the risk profile of the application). Further details of the commission model, calculation and amount will be disclosed to you throughout your customer journey.

By proceeding, you consent to Charles & Dean contacting you to discuss your request. Full details of how we use your data can be found in our Privacy Policy

(https://charlesanddean.com/privacy-policy).

Call Us

Get Quote

Get Started

Smarter
Car Finance,
Starts Now

Our customers save an average of

£13,240* compared to dealership finance.

"A close friend recommended Charles & Dean when I was looking for a finance. I was thoroughly impressed with the customer service and attention to detail. The team really took the time to understand my needs and tailored a finance package to suit my unique profile."

Mat Watson - Carwow

This was my second supercar with Alex at Charles & Dean, and he really knows how to get the job done and supply the best deals on the market. Transparent, reliable and efficient - I wouldn’t go anywhere else. A client for life!

Marcus - Customer

"Charles & Dean were £90 cheaper a month than the main dealer and it was still with a major finance firm. I ended up having the car over a shorter term because of how much cheaper the payments were."

Luke - Customer

Tell Us Which Supercar, Prestige or Performance Car You’re Considering –We’ll Show You What the Finance Could Look Like.

"A close friend recommended Charles & Dean when I was looking for a finance. I was thoroughly impressed with the customer service and attention to detail. The team really took the time to understand my needs and tailored a finance package to suit my unique profile."

Mat Watson - Porsche 992 GT3RS

"This was my second supercar with Alex at Charles & Dean, and he really knows how to get the job done and supply the best deals on the market. Transparent, reliable and efficient - I wouldn’t go anywhere else. A client for life!"

Marcus - Customer

"Charles & Dean were £90 cheaper a month than the main dealer and it was still with a major finance firm. I ended up having the car over a shorter term because of how much cheaper the payments were."

Luke - Customer

Tell Us Which Supercar, Prestige or Performance Car You’re Considering – We’ll Show You What the Finance Could Look Like.

Recommended
by Carwow's
Mat Watson

Our Customers
Save £13,240*
on Average

Why Choose Us?

Over 7,500+ customers have trusted us to finance their dream vehicles. Here’s why we’re one of the UK’s leading car finance specialists:

01

We Compare, You Save

Our customers often save thousands compared to dealership finance. With competitive rates starting from 8.1% APR Representative**.

02

More Options, Better Fit

Unlike dealerships and banks, we're not one-size-fits-all. With access to a wide network of lenders, we tailor your finance to fit your needs - not the other way around.

03

Personalised Guidance

Behind every quote is a real person. Our finance specialists take the time to understand your needs and match you with the best-fit lenders, terms, and funding options available from our panel.

04

Smooth Handover

We assist with settling your finance and liaise directly with the dealer saving you time and admin, so you can focus on enjoying your new car.

Thousands of
Satisfied Customers

One of the UK's Most Established Finance Brokers

£190M

Funded this

Year

7.5K

Trusted
Clients

15

Years of

Experience

One of the UK's Most Established Finance Brokers

£190M

Funded this

Year

7.5K

Trusted
Clients

15

Years of

Experience

About Using a Broker

Finance Process & Options

Cars & Why People Finance

Charles & Dean is a specialist finance broker - not a dealership or a lender. Here are some of the main reasons our customers choose to work with us: 1. More choice Unlike going direct to a bank or dealer, Charles & Dean work with a wide panel of trusted lenders. That means you’re not restricted to one option. We compare the market to find competitive rates and terms that suit your budget and goals. 2. Expert guidance Car finance can be confusing - with options like PCP, HP, Lease Purchase, each offering its pros and cons. Our specialists cut through the jargon, clearly explain your choices, and recommend the solution that best suits your individual needs. 3. Save time and hassle Applying to multiple different lenders can be time-consuming and stressful. We handle the legwork, from paperwork to approvals, so the process is faster and simpler. You concentrate on choosing the car, while we handle the finance.

One of our UK-based Finance Specialists, from our London or Lincolnshire offices, will get in touch. You’ll speak to a genuine motor enthusiast who understands cars and has experience working with many leading dealerships in the UK. During the initial call, we’ll take details about you, the car and your preferred finance arrangements. We’ll then provide tailored quotes and explain the pros and cons of each option, so you can make an informed choice.

There’s no fee for enquiring or receiving finance quotes. If you decide to proceed, we receive a commission from the lender. Different lenders pay in different ways, using models such as: • Fixed fee • Fixed rate of commission • Percentage of the amount borrowed • Rate for risk (based on the application’s risk profile) For full transparency, details of the commission model, calculation and amount will be disclosed to you throughout your journey with us.

Frequently Asked Questions

See How Much You Could Save,
Speak to a Finance Specialist Today

Get Quote

Call Us: 01780 431 269

Need to speak to someone now?

Mon–Fri 9am–5:30pm,

Sat 9am–1pm

01780 431269

8.1% APR Representative** We are a credit broker not a lender.

**Finance subject to status, income, vehicle age and method of sale. Terms apply, 18+. We are authorised and regulated by the Financial Conduct Authority, registration number 653592. We will receive a commission payment for introducing you to a lender from our panel.

*Based on ten recent vehicle purchases with C&D’s APR Representative at 8.1%, versus dealer rates averaging 11.4% APR. Customers saved on average £13,240.80 on a finance advance averaging £113,119.28. Based on a 4-year PCP with a 57.76% balloon and vehicles up to 5 years old.

Charles and Dean Finance is a trading name of Charles and Dean Ltd, who are a member of the National Association of Commercial Finance Brokers. Charles & Dean are a credit broker and not a lender. We work with a Panel of Lenders to find you a potentially suitable arrangement for consideration. ICO registration ZA113861 and you can check this via www.ico.org.uk.

Registered address: 2 The Granary, Copthill Farm Enterprises, Deeping Road, Uffington, Stamford, PE9 4TD. Registered in England & Wales. Registration Number: 07924225.

We will receive commission from lenders. Different lenders pay different amounts depending on different commission models. For transparency we work with the following commission models: fixed fee, fixed rate of commission, percentage of the amount you borrow and rate for risk (this is based on the risk profile of the application). Further details of the commission model, calculation and amount will be disclosed to you throughout your customer journey.

By proceeding, you consent to Charles & Dean contacting you to discuss your request. Full details of how we use your data can be found in our Privacy Policy (https://charlesanddean.com/privacy-policy).