We offer a wide range of finance options

SM Autos Ltd are authorised and regulated by the FCA – Financial Conduct Authority and work with a select panel of specialist motor finance companies to enable you to finance your next car from us.

We can arrange vehicle finance for private individuals, both employed or self employed plus companies and help to arrange a package for those with circumstances requiring special consideration. HP, PCP and other finance products are also available.

If you require vehicle finance for your next car please complete the finance application form via your chosen vehicle on our website, this will be submitted to one or more of our panel of lenders depending on circumstances – those being : Close Motor Finance, Choosemyfinance, First Response Finance, Mallard Vehicle Finance and/or Octane Finance. The finance company will advise the interest rates and payment terms available to you, subject to your status.

The finance company will require specific personal information from you including Photo Driving license, Bank details, Proof of address & employment for at least 3 years, they may also require additional information and will specify at that time.

You are welcome to apply for Vehicle Finance independent of SM Autos Ltd by quoting our FCA Firm reference number (FRN) 825373 to your chosen finance company.

Depending on lending criteria we may or may not receive a finance commission which will be advised to you by the finance company.

Please always call us on 01243 717474, email us or WhatsApp us prior to travelling to discuss your finance requirements or click: for all contact options.

We are registered with the Information Commissioners Office – ICO and our privacy policy in relation to your data can be viewed here: In the unlikely event you have a complaint, we will endeavour to deal with your issue within 7 working days of receipt via email or letter and look to resolve within 28 days subject to any external influencing factors.


1. Select Vehicle

To request vehicle finance please choose a vehicle from our stocklist and click on the request finance button.

2. Enter Your Details

Please enter your full name, address, employment and income also your finance requirements and press submit.

3. Eligibility Check

A credit check will be performed by our lender, a salesperson will be in touch within a couple of days.