Finance

Totally Trade Direct provide a wide range of finance facilities which are described below and fully integrated into our web site. From the comfort of your own home you can view all the available finance products for your next vehicle and generate your own personalised quotations by changing the deposit, term and annual mileage.

In addition, you can complete an application through our secure on-line proposal form which will pass your information directly to our finance company. You will then be guided through the process by them. In gaining pre-approval it allows you to make a considered choice on your next car purchase in a quick and convenient manner through a greater selection of finance products.

  • Find your vehicle
  • Choose your finance product
  • Tailor your quotation
  • Apply on-line
  • Visit us and view the car

Credit Problems?

Credit Problems? No Problem! We provide used car finance in Hertfordshire, Essex and the South
East for people who have had credit problems in the past but are looking for their next second hand
car. Even if you have had CCJ’s or been bankrupt then apply today we can still help you finance your
next used car.

    • You are in no way obliged to buy the vehicle, but by applying you register an interest in the vehicle.

    • You can submit your details at any time, our system is availiable 24hrs a day for your convenience.

    • By arranging your finance in advance you can have the comfort of knowing your finances are in place.

    • The whole process is confidential with no need to disclose personal details to our operatives.

  • Low Payment Plan will enable you to purchase your next car with lower monthly repayments. The way this is achieved is by deferring an amount of the total cost of the vehicle to the end of the agreement. This amount is known as the Residual Value (RV).

    It is the customers responsibility to settle the final payment either though additional finance, cash or settlement by part-exchange. 

  • Hire Purchase (HP) is very similar to borrowing a sum of money from a bank and paying it back over a fixed period of time, with interest. Hire Purchase is a type of secured loan which are often preferred over alternative (unsecured) loans because they allow a greater borrowing limit. The term "secured loan" means exactly that, a loan that the lender can secure against an asset (in this case, the vehicle). HP gives you additional rights over those of a personal loan and is only available through dealers that have passed the stringent approval process of the finance companies.

  • A Personal Contract Purchase (PCP) plan will enable you to purchase your next car with lower monthly repayments. The way this is achieved is by deferring an amount of the total cost of the vehicle to the end of the contract. This amount is known as the Guaranteed Future Value (GFV). 

    The Guaranteed Future Value plus your deposit is subtracted from the cash price of the vehicle and your monthly payments are based on the balance (plus interest on the balance and the GFV). 

  • Looking for finance? Had Credit problems in the past? Totally Trade Direct can help! Apply today! We are the leading provider of second hand car finance in Hertfordshire, Essex and the South East!

    Totally Trade Direct are the number one provider of used car finance in Hertfordshire, Essex and
    the South East. We work with lenders who can help approve you for finance if you have struggled to
    obtain finance in the past. Even if you consider yourself to have a bad credit history, apply today!

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