Rating based on 24 reviews



  • Free online valuations
  • Get quick finance
  • Find a car

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Stoneacre homepage

Author Stoneacre. Screenshot of Stoneacre website. [Accessed May 15, 2020]

About Stoneacre

Our aim is to help you afford to buy your own vehicle and to make this process as simple as possible.

The first step is to check your credit record and figure out how much you can afford to spend on your online loan. There is no need to put down a deposit if you can’t afford too and the application process is simple, quick and easy. 

Award-winning finance team

Our business has become a name that you can trust when it comes to applying for an online loan.

No matter if you have your eye on a new or used vehicle we will be able to assist you with vehicle financing. If you need some help finding your dream car, our award-winning consultants will be happy to assist you.

Let us know how much you have to spend and what features you are after and we will do the rest.

Bad credit car loan available

If you have a low credit score you may apply for one of our bad credit loans. Your application won’t be judged on your past credit mistakes and will lend you the money if we determine that you will be able to pay it back easily over small monthly instalments.

Our soft search credit check won’t have a negative impact on your credit score.

Stoneacre Services

As we don’t judge you on your past financial mistakes and applications are judged solely on your current circumstances we are able to approve more online car loans more often.

Our approval rating is 66% which means we approve 2 out of 3 online loan applications. We have over 20 years of experience in the financial field and use our relationship with our trusted partners to find you the best deal. Our consultants will deal directly with the lenders on your behalf and negotiate the best possible loan terms.

Requirements to apply for a Stoneacre car loan

  • Be at least 18 years old
  • A citizen of the UK and have lived here for more than 3 years
  • Not have been declared bankrupt

You will need to provide proof of your income and show your ability to afford the repayment on your personal loan.  To help you find the best vehicle we have partnered with multiple multi-award winning car dealerships.

Free guides and resources

If this is your first time buying a new car and you are a young driver, you can benefit from our theory test preparation guide as well as the driving theory practice that is available to use for free on our website. There are also guides on winter driving, driving tips and tips to become a better eco-friendly driver.

Stoneacre Product Details

  • Loan Type Vehicle finance

Benefits of Stoneacre

  • Get vehicle finance with a bad credit history
  • Access to online car valuations
  • No deposit required

We have many vehicle financing options, we like to make it convenient for our clients

There are many different types of vehicle financing available that each has its pros and cons. Would you like to own the vehicle at the end of the loan contract or would you like to have things like tyres and services included in your vehicle plan?

Understand the different types of vehicle financing available and make an informed decision on which one would be right for you.

Personal Contract Purchase (PCP)

Personal contact purchase works in the same way as a contact and does not necessarily mean that you will own the car once the contract is over. This type of financing allows very flexible repayment options and can include benefits such as free services or car replacement if you should have mechanical problems.

Personal Contract Hire (PCH)

This type of car loan is a long term rental agreement that includes services, replacement of tyres and a very low monthly repayment fee. This type of financing is perfect for those that don’t want to take ownership at the end of the loan contract.

Hire Purchase (HP)

This option allows you to own the vehicle at the end of the loan contract. You make monthly payments on the car loan and at the end of the contract, the vehicle is yours to keep.

Motor Loan

If you don’t have a deposit to put down on your vehicle and you want to own your car outright without having to worry about mileage restrictions then this option may be your best solution.  A motor loan can be used to purchase a new or used vehicle.

The repayment options vary but can be customised to suit your budget and individual requirements.

Apply for financing through Stoneacre

Use the online application form available on our website to apply and receive a quick loan decision in minutes. If your application is successful our team will be in contact to continue to the application process.

The next step is to find you the car that you want then all you need to do is sign the contract and agree to the deal and we will deposit the funds directly into your account.

man holding thumbs up

Stoneacre is a trusted & reliable provider of vehicle finance

In our review, Stoneacre adheres to the compliance criteria in accordance with the Financial Conduct Authority, where the granting the loan will not cause financial distress to the consumer.

Stoneacre is a registered credit provider in the UK; FCA number 308726

Customer Reviews & Testimonials

Very good customer service, a fantastic team, but high rates.

Xavier J
— London —

High rates on an unsecured car loan and not a lot of time to pay off the loan. The customer service agents are superb though.

Blake W
— Watford —

Stoneacre Contact Details

Physical Address

Opening Hours

  • Monday 08:00 – 20:00
  • Tuesday 08:00 – 20:00
  • Wednesday 08:00 – 20:00
  • Thursday 08:00 – 20:00
  • Friday 08:00 – 20:00
  • Saturday 08:30 – 17:00
  • Sunday 10:30 – 16:30