Fast Car Finance helps a growing business secure finance to purchase a brand new £90,000 BMW X7

In the world of business, vehicles often serve as more than just a mode of transport—they’re a critical tool for operations and for the business owners, often just reward for the risks they take in running an SME. For this customer, purchasing and arranging finance for a BMW X7 was made more challenging due to the impaired nature of the company’s balance sheet.

This created a significant hurdle in accessing business car finance – a weak credit rating. Traditional lenders were unwilling to provide new BMW finance, leaving them unsure of how to proceed. That’s when they turned to Fast Car Finance, and we delivered.

Here’s how we used our knowledge, expertise, and access to a bespoke finance house to turn their challenge into a success story.

Understanding the customer’s needs

The client, a business operating in the renewable sector, approached us with a clear requirement: they needed to purchase a £90,000 BMW X7. This luxury SUV wasn’t just a statement of their brand’s credibility but also a functional asset for client meetings and business trips. However, their weak credit rating made securing finance through traditional means nearly impossible.

We knew that rejecting their finance application outright wasn’t an option. Instead, we focused on understanding their story and crucially the specific intricacies of their business. Our approach is always one that is built on sourcing a bespoke solution, and this case was no different.

Leveraging our expertise and industry knowledge

At Fast Car Finance, we help our customers by approaching specialist lenders on their behalf. With two decades of experience in the classic, prestige and sports car finance industry, we have a detailed understanding of how to approach lenders, negotiate terms, and present finance proposals effectively—even for those businesses and private individuals with less-than-ideal credit profiles.

We began here by assessing the customers business or personal credit files in detail, identifying not just the weaknesses but also the strengths. We highlighted the stability of their business operations, consistent revenue streams, and underlined the favourable terms being sought (large deposit and a preference for a Hire Purchase facility as opposed to Lease Purchase).

Our next step was identifying the right lender. This is where our relationships with bespoke finance houses came into play. Unlike high-street lenders, bespoke finance houses are more flexible and willing to consider applications on a case-by-case basis.

Tailored Finance Solutions

We presented the proposal to a specialist finance house with whom we have a strong relationship. Our proposal emphasised the businesses’ ability to meet repayment obligations despite their weak credit history. By also providing the applicants business bank statements and a rationale for the purchase of the BMW X7, we quickly secured a formal offer of finance from the lender on terms the customer was able to work with.

Why us?

At Fast Car Finance, we pride ourselves on making the impossible possible. Whether it’s overcoming a weak credit rating or finding the most appropriate lender for a unique situation, we’re here to help you.

If you’re facing similar challenges securing luxury car finance, please don’t hesitate to get in touch. Let us put our expertise to work for you. Call us today on 01635 785400

The BMW M2 is akin to a rocket ship on wheels with a 0-60 time of just over four seconds! Speed was also something that the Fast Car Finance team provided when this returning client recently got in touch looking for BMW car finance.

Having already assisted with the purchase of several cars for this Company Director (a well-established IFA), we worked with the customer to provide sports car finance at an affordable monthly payment. Armed with details of the car, the supplier and its service history, we were able to secure a competitive balloon of £20,500 over a 48-month term. Assisted by the customers cash deposit of £4,500, this enabled him to jump into the car for a respectable £450.00 pcm via a lease purchase facility.

Fast Car Finance have a wealth of experience in arranging sports car finance for all manner of petrolheads whether they be collectors or enthusiasts looking for that dream car for occasional weekend use.

To find out more about our range of prestige car finance options please contact us. We can arrange a bespoke car finance loan to match your deposit and monthly budget.

Having purchased his car some three years ago, this company director wanted to chat through options as his balloon payment was due.

His plan was to keep the car and therefore we spoke to him about refinancing the balloon payment, as he didn’t have available funds to pay it off in full. If you get towards the end of your finance agreement and don’t plan to sell the car or use your cash reserves, refinance may be an option.

Due to future tax planning, he also wanted to refinance the new agreement in his company name. We were able to accommodate this request and arranged BMW used car finance which paid off the old agreement in his personal name.

If you have a balloon payment due, get in touch with the team at FCF to discuss your options.

This company director was looking to upgrade his car. Already having a BMW i8, he knew he didn’t want to change make or model but just upgrade to a newer one.

Having financed his current car via his limited company, he wanted to do the same this this time. We can consider finance application in business or personal names. However, we always recommend speaking to your accountant or financial advisor to confirm the most suitable route. We approached the incumbent lender as they already knew the client and they quickly approved BMW finance, subject to settlement of the existing finance agreement.

The client wanted to part-exchange his old BMW i8, and this acted as his deposit for his new i8. By putting a final balloon payment on the agreement we were able to keep the monthly repayment within the client’s budget. Worth noting that the final balloon payment is not a guaranteed future value and is the client’s risk & responsibility.

If you are looking for BMW finance today, please contact us.

We have known this company director for many years. We have already financed a number of his vehicles, including Bentleys and Mercedes. This client thought the BMW M5 Competitor would be a perfect fit to his collection since he wanted to add something spectacular to add to his exquisite fleet of vehicles. At just over 600 horsepower he was certain that he needed to have this magnitude of power from a vehicle in his collection.

The team were able to arrange the finance to the clients liking as he wanted to keep monthly payments below £900. We were able to keep within his budget at monthly payments of £868.16 and a final balloon payment of £28,350.

If you are looking to finance an M Sport BMW today, please contact us.

This new client had been recommended to us by her father, who is a previous client of ours. It’s great to receive recommendations and shows how much trust this family have in the team at Fast Car Finance.

The lady driver wanted to get into the car as soon as possible and our team were able to obtain approval on her funding application very quickly. Documents were executed electronically  and the client was able to pick up this beautiful BMW 2 Series M Sport. The M Sport kit on this 2 Series really does make it stand out, and it is a great everyday car.

We were quickly able to arrange a great finance package, with monthly repayments well within the client’s budget.

If you are looking for finance on your next BMW, please get in touch.

As specialist motor finance brokers, we are often asked to help clients who have a challenging requirement. Having identified a suitable car that he wanted to purchase, this surveyor was having issues securing finance due to the supply route. With no motor dealer involved, many lenders would not want to assist due to the additional risks involved with the supply route.

With a £5,000 deposit and budget of £800 per month, we were able to achieve this by arranging the loan over five years with a final balloon payment then due at the end.

If you are looking to arrange new or used BMW finance either via a franchised dealer or from an alternative source, get in touch with our team today.

Having been referred to us for the recent purchase of a delivery miles Porsche 911 GT3, this customer also wanted us to take a look at his existing finance agreement on his BMW B3 Alpina. With the finance agreement shortly due to mature and the final payment (a lump sum) now due, he was keen to refinance his BMW over a new loan term, preserving the cash for school fees and other forthcoming commitments.

Our team arranged for the car to be valued and following an inspection and confirmation of the cars service history we were able to arrange used BMW finance. We organised all the paperwork to include settling the existing BMW financial services agreement on the customers behalf and his new prestige car finance agreement commenced a month later.

It is not just new and used car purchases we can arrange finance for, we are also able to refinance third party finance agreements, useful if you want to restructure a current Hire Purchase or PCP agreement to either benefit from a lower APR or to reduce your monthly finance commitment.

Perhaps you have a current finance agreement where you feel you might be paying too much or the interest rate is higher than you thought. For a free no obligation finance quote and an independent professional opinion please call us today on 0333 12 12 400

Our returning hotelier client had a big change around with his cars, including a Ferrari Berlinetta and a car for his wife and then needed to change his daily driver. He had found a stunning BMW 730d with only 7,000 miles on the clock, which was a direct replacement of his current car – our client just wanted a newer model.

Fast Car Finance arranged competitive BMW finance for our client, securing him the funds of £26,000 over five years with monthly repayments of £514 per month, which was £160 cheaper than his monthly repayments for his older model of BMW.

As ever, the Fast Car Finance team gave our client the five star treatment and the funding was agreed within 24 hours and our client could part exchange the car on a very tight turnaround. We are delighted to have secured BMW used car finance for another long standing client.

Buying an ex-demo car from a main dealer can be an incredible way to drive the latest car at heavily discounted rates. Our recent client secured a three-month-old BMW X5 M50 D with a whopping £10,000 off the RRP.

A busy company director working in the film & TV industry, our client has purchased a car with Fast Car Finance practically every year for the past five years, so he knew that we’d get him an incredible BMW used car finance interest rate for this BMW X5 M50D.

With a deposit of just under £5,000, Fast Car Finance secured him the remaining £55,000 over five years at an APR of 7.6%, which met his ideal budget of payments for under £800 per month. At the end of the term, a £21,500 balloon payment will be owed and once paid he will own the car.

For many of our clients, continuing to secure prestige car finance through an independent broker means they are able to secure the best rates in the market and as a returning client we had access to all the paperwork we needed to make the process as seamless as possible (so you get your incredible new car quickly).

We are always proud of the exceptional level of customer service Fast Car Finance provides for our customers and this was demonstrated by one of our most loyal customers, who recently arranged BMW car finance for his thirteenth car through us.

As an underwriter for a van insurance company, our client has an incredible passion for cars and wanted to enjoy the high performance of BMW’s 5 series by purchasing a BMW M5 Saloon. The car he chose had a V10 petrol engine and 7 speed transmission which is rare for a Sedan, so we can see why this particular model appealed to his desire for speed and comfort.

However, the car is a 2007 model and at 13 years old, many traditional lenders would not be comfortable to lend our client the £15,000 required to purchase this incredible car. Thanks to the specialist panel of lenders that Fast Car Finance has access to as an independent car finance broker, we were able to arrange the BMW finance over a five year period and our client’s monthly payments were a little over £300 per month.

Our long-standing IT contractor client has arranged prestige and luxury car finance through Fast Car Finance, including an Aston Martin, Range Rover and Audi. As a result of COVID-19, he is no longer commuting to Kent from his home in Lincolnshire and using public transport. To travel to and from work safely and comfortably, he found a 7-year-old luxury BMW 7 series from a specialist independent dealer. At a list price of over £80,000 our client picked up a 2014 example for just under £14,000 and we were able to arrange Hire Purchase finance over 5 years for just £240 pcm

As always, our clients know that we arrange car finance discreetly and with minimum fuss, so we were delighted to help out to ensure our client could travel to work safely and in comfort.

Employed as the Finance Director of a substantial business, this FD new his numbers when it came to purchasing a rare and increasingly collectable BMW 1M Series Coupe.

Having located a wonderful low mileage “one lady owner” example, he was on the hunt for an equally low interest rate to match.

BMW used car finance is something that the Fast Car Finance team are experts at arranging and we were keen to add this thoroughbred to our recent stable of success stories. Despite the car being over nine years-old, we were able to facilitate a substantial balloon payment, enabling us to provide the customer with a very attractive monthly repayment.

Car’s such as this need more than an online BMW finance calculator to help you arrange a competitive car finance quotation, they deserve a personal touch and that intuition and knowledge that comes with years of experience.

Our team have been financing rare and exotic cars for over fifteen years and we know a fine example of a car when a customer calls us for prestige car finance.

Want to know more? Call us today on 0333 12 12 400 or get in touch via e-mail.

The Fast Car Finance team prides itself on our customer service, so much so that we like nothing more than when a previous customer returns to us when they are looking to change their car.

This 40 something petrol-head has his heart set on a low mileage BMW M4 with Competition pack.

Sports car finance can be arranged by our team on any make or model of car and we have no restriction on the cars age. New, used or classic cars are all catered for here.

This customers requirement was a straight-forward one, they simply wanted to finance a 5-year old used BMW over the longest possible period (5-years), plus he required a final lump sum payment at the end. No problem to us, this despite the car projected to be 10-years old at the end of the loan term we were happy to secure competitive prestige car finance..

Looking for used BMW car finance? Please get in touch today, we  have a range of BMW finance calculators and can tailor a finance illustration to suit most budgets.

Want to know more, call us today on 0333 12 12 400.

Referrals from happy Fast Car Finance customers regularly arrive across our desk. This Company Director was no exception, a friend of his having previously used us to finance his own car.

With a stunning example of a 2017 BMW M2 Coupe having been sourced, all this prospective BMW owner needed with a competitive and speedy used BMW car finance solution to match the car.

As a specialist independent car finance brokerage, Fast Car Finance has access to wide range of BMW finance calculators across a wide variety of lenders. This enables us to accurately match the customers’ requirements to their financial circumstances. In this particular instance our customer had a first-class credit rating and coupled to this he was a company director. These two factors were instrumental in us securing low rate used BMW car finance, well below the APR that the dealer was prepared to offer.

If you are considering the purchase of a new or used BMW then please call us today on 0333 12 12 400. We can offer you free and unlimited finance illustrations to help put you in the driving seat.

Fast Car Finance, car finance made simple.

When you’re in the business of selling luxury jewellery, the same applies when you’re looking to acquire your next car. Having located a low mileage BMW M4 Coupe with Competition pack, this customer just need a competitive used BMW finance to get behind the wheel.

Our knowledge of the car finance market and access to various BMW car finance calculators meant we were able to advise and recommend on a suitable used car finance loan.With a substantial £10,000 deposit and an excellent credit rating we secured used BMW car finance at 7.6% APR and at a repayment of just £467 per month.

If you are considering the purchase of a new or used BMW, contact Fast Car Finance for a free and no obligation finance quote. We often save our customers money against the supplying dealers finance offer.

Call us today on 0333 12 12 400

Well known in the local motor trade, this specialist mechanic new exactly where to come when he was looking for finance to purchase a late used BMW M3. A quick call to the team at Fast Car Finance soon led to a finance approval being offered on the required terms. With his BMW used car finance in place he wasted no time in sourcing the right car in his preferred specification and colour scheme.

Our friendly team organised the paperwork from start to finish and even liaised with the lender when it came to paying the supplying dealer, all done in good time to meet the pre-agreed handover and collection date.

If you are considering purchasing a new or used BMW please get in touch with us, using our bespoke BMW car finance calculator we can tailor a solution to fit almost any budget. Contact us today on 0333 12 12 400 to discover more and put yourself in the driving seat of of your preferred BMW.

Used car finance arranged quickly with Fast Car Finance. Applying could not be simpler as this returning customer will testify.

Having previously arranged car finance with us to purchase his BMW M3, he now wanted to re-finance the car and reduce his monthly payments to assist with a house purchase. Did you know that you can re-finance your existing car Hire Purchase? Perhaps you entered into your finance without paying too much attention to the APR or perhaps you are coming to the end of the loan and wish to release some equity, either way please get in touch and we can advise you of your options.

If you are looking to purchase a BMW and are looking for competitive BMW used car finance then our friendly team can help. We can arrange finance for all BMW models, both new and used.

Call today on 0333 12 12 400

For this Hotelier and Company Director, all roads led to Fast Car Finance when it came to arranging used BMW car finance for his next car purchase. A longstanding customer who had used us many times previously, he required a no-frills service and one where he simply secured a highly competitive APR on his used car loan.

We identified a suitable car finance provide and negotiated an interest rate of 6.5% Representative APR as illustrated in the example opposite. The finance took the form of a Conditional Sale Agreement Regulated by the Consumer Credit Act. This allows the customer to make over payments to reduce the loan (and therefore the interest payable), similarly he can also repay the agreement early without interest penalties being applied.

Not only can our friendly team arrange complicated and bespoke car finance solutions, we can also organise straight forward car finance quickly and often at a highly attractive APR. For a free no obligation finance quotation or to find out about how our BMW car finance calculator works, please call us today on 0333 12 12 400 or request a quote on-line.

With a name like Fast Car Finance, reacting quickly to new customer enquiries is pivotal to our success. That was certainly the case here when this Chartered Surveyor made an enquiry having found our website via a search on Google.

Looking for BMW used car finance, this young professional was having trouble sourcing a suitable car finance simply because the car he was purchasing was being sold to him by a friend (so there was no dealer involved). Thankfully, as specialist car finance brokers we were able to advise him that we had access to a finance company who could cater for this slightly unusual supply route. Not without its risks for both the customer and the finance company, we insisted on seeing the car and verifying that the seller owned the car and was indeed the lawful owner beforehand, so as not to uncover issues around proof of title later on. Once we had satisfied ourselves that the sale and purchase were both genuine, we quickly arranged used BMW car finance for the customer and at a very attractive Annual Percentage Rate (APR).

Purchasing and financing a car from a private individual can and is complicated and we are experts at arranging private purchase car loans. If you are looking to purchase a genuine car from a legitimate vendor and it’s costing at least £25,000 then please get in touch with us.

BMW Finance

A returning client was looking to upgrade his current car to a newer one. The team at FCF were able to secure BMW used car finance with the same funder as his current car, making for an easy switch and only a small increase in monthly repayments. From enquiry to pay out only took a couple of days resulting in a happy client.

When a young recruitment consultant wanted to change his car, some advice from his elder brother pointed him in the direction of Fast Car Finance. His brother had previously used us to finance his own car and told his younger sibling to talk to us about BMW used car finance. After asking him a few simple questions about the car he was looking to purchase, we used our BMW finance calculator to come up with a finance offer that the supplying dealer was unable to match. This young recruiter is now the proud owner of a stunning low mileage 2 series, thanks to a little help from our BMW used car finance experts.

This petrolhead had significant experience of Fast Car Finance, having previously used us to finance a number of sports and performance cars. This time he was in the market for a nearly new BMW M3 and asked us to see what we could offer on our bespoke BMW finance calculator. We demonstrated that we could get the customer into the car within his required monthly budget, our low rate BMW used car finance allowing him to drive his latest passion.

Another of our loyal customers. This self-employed watchmaker had his sights set on a nearly new BMW X6 M.The BMW dealership were very eager to provide the finance themselves, but without a second thought (no pun intended) he refused their offer, explaining that he was more than happy with his independent finance brokers – Fast Car Finance – who had already helped him with the funding of his last 4 cars!

We have a BMW finance calculator for every BMW car regardless of model or age and we can provide you with an unlimited number of BMW finance illustrations  If you are considering the purchase of a new or used BMW please get in touch.

New and used BMW finance is just a phone call away – telephone 0333 12 12 400

Fast Car Finance – PUTTING YOU IN THE DRIVING SEAT

This gentleman was recommended to us by his Co Director at work who is himself a customer of Fast Car Finance.   He was buying an almost new M3 from a local franchised Dealer who was offering a very attractive APR rate of 7.9%.   Yet, knowing that the customer had a fabulous credit rating, we were able to offer a more competitive rate – settling at 6.5% APR.   The customer was thrilled that he had been introduced to us.

Because we were able to help this customer when the dealership he was buying the family car from, couldn’t, he had no hesitation in getting in touch with us re buying a weekend car for himself.   He knew that we had worked hard only a few weeks earlier, when buying the family car, to get proof of his salary in the form of his contract and so had no hesitation in coming to us.

Sadly this semi-retired property developer had, in the past a dispute with a builder. The result of which was that there was a County Court Judgement against him.   Although our customer had settled the CCJ in full it still showed on his file.   Lenders don’t typically like this type of ‘blemish’ on someone’s history and the fact that he wasn’t currently a home-owner either, didn’t help his cause any further!   We didn’t let these challenges get in the way as a result of which we were able to help him finance his car.