Vehicle Finance

Finance Calculator

Use our simple to use online finance calculator to estimate the amount you would pay back for how long and how much interest you would pay. Just fill in the amount you want to borrow, the deposit you will pay and how long you want to pay the loan off for and hit calculate.

Vehicle finance often seems more complicated than it actually is. Here at Kerr Baillie we have a wealth of experience with vehicle finance and can advise you which finance product is best suited to your needs.

If you have a poor credit history we can help. We work with 'sub-prime' credit companies that specialize in lending to customers with poor credit scores. Some even lend to individuals on benefits such as PIP or DLA. If you have a poor credit score and would like to apply for finance simply call us on 01294 469124, email us at or drop in the dealership. Alternatively you can apply via our website, however we will still need to contact you for some additional information.

Some customers even arrange their own finance via the internet however we would urge you to always ask us for a quote first as our deals are very competitive.

Kerr Baillie ltd is authorised and regulated by the Financial Conduct Authority and acts as a credit broker sourcing credit to assist with your purchase from a carefully selected panel of lenders. Lenders may pay us a fee for these introductions. A guarantor may be required. All offers and credit subject to status, terms and conditions. Applicants must be 18 years or over.

Introducing Extended Term Contract (ETC) finance agreements. What is it? ETC is a Hire Purchase finance agreement with terms up to 7 years. The advantage of a longer term agreement is lower monthly payments, similar to a PCP deal, however ETC does not have any mileage restrictions or optional final payment. And don’t forget with HP deals you can hand the car back once you have paid off half the total amount payable. This means you get the advantage of a low monthly payment, no mileage restrictions, you can hand the car back and walk away or you can keep the car. So it has all the advantages of a PCP deal but none of the disadvantages.





Low monthly payment



Mileage allowance/restriction



Hand the car back



Balloon payment



Keep the car


Only if you make the balloon payment

Trade the car in




Panel of Lenders

·         Black Horse Limited

·         Close Motor Finance Limited

·         Northridge Finance Limited

·         Blue Motor Finance

·         First Response

·         Moneyway

·         Carfinance 247

·         Zuto

For more information or for a quote please phone us on 01294 469124.

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