Car Finance

Car Finance Solutions in Eastbourne at EMC Group

Fund Your Next New or Used Car with our Flexible Options

At Eastbourne Motoring Centre, we believe everyone deserves to drive their perfect car. Whether you're looking for a brand-new vehicle or a quality used car, our comprehensive range of finance solutions makes it easier than ever to get behind the wheel.

With decades of experience serving communities in Eastbourne and across Sussex, we've helped thousands of customers find the right car finance package for their needs and budget. We work with leading UK finance providers to secure competitive rates and flexible terms.

Get started today with our free credit check and online finance calculator - discover your options instantly with no impact on your credit score.

Why Choose EMC for Your Car Finance?

Local Expertise, National Reach 

As Eastbourne's trusted motoring centre for new and used cars, we combine years of local knowledge with access to the UK's most competitive finance deals. 

We’re here for drivers in Eastbourne, Hailsham, Uckfield, Lewes, Brighton, Hove, Hastings, across East and West Sussex, and beyond! 

Transparent Process  

When you choose to finance your car with us here at EMC, there are no hidden fees and no confusing jargon. Instead, you can expect clear, honest advice tailored to your circumstances.

Quick Decisions  

Most of our finance applications can be processed within hours, which means we can get you closer to your new car even faster.

Flexible Solutions  

From low monthly payments to balloon payment options, we'll find a car finance package that works for your lifestyle and budget.

Getting Started is Easy

Choose Your Car

Browse our extensive range of new and used vehicles, or let us help you find exactly what you're looking for.

Speak to Our Experts

Our team is on hand to explain your options and find the perfect finance package for your needs.

Get Approved

Benefit from our quick decision process, with most applications approved within hours.

Drive Away

Assuming your finance application is approved, all that’s left for you to do is complete the paperwork and drive away in your new car, which can even happen the very same day!

Free Tools to Help You

Free Credit Check

Not sure about your current credit rating? Our free, no-obligation credit check gives you a clear picture of your credit status without affecting your score. Simply complete the quick online form found on every new and used vehicle page to get an instant indication of your finance options.

Benefits of Our Free Credit Check:

• Instant results with no impact on your credit score
• Clear indication of available finance options
• Personalised interest rates based on your profile
• Complete privacy and security

Online Finance Calculator

Get an instant estimate of your monthly payments with our easy-to-use online calculator. Simply enter your preferred vehicle price, deposit amount, and contract length to see indicative monthly payments across all our associated finance products.

Try Our Calculator For:

• PCP monthly payment estimates
• Hire Purchase payment calculations
• Contract Hire quotations
• Different deposit and term combinations

Our Car Finance Products

Personal Contract Purchase (PCP)

Personal Contract Purchase car finance (also known as PCP) is perfect for drivers who want lower monthly payments and flexibility at the end of their agreement.

PCP allows you to drive a newer car with lower monthly payments than other options do, such as a traditional hire purchase agreement. At the end of your term, you can choose to return your car, keep it, or enter into a new agreement - the choice is yours.

Key Benefits of PCP Car Finance:

• Lower monthly payments
• Guaranteed Future Value protection
• Flexible end-of-term options
• Available on new and used cars

Learn more about PCP car finance with our handy guide.

Hire Purchase (HP) 

Hire Purchase car finance (also referred to as HP) is an ideal solution for drivers who want to own their car outright with straightforward monthly payments.

Considered the more traditional route to car ownership, with HP car finance, you pay a deposit, make fixed monthly payments, and the vehicle becomes yours at the end of the agreement.

Key Benefits of HP Car Finance:

• Straightforward ownership path
• No mileage restrictions
• Competitive fixed rates
• Own the car at the end

Learn more about HP car finance with our handy guide.

Business Contract Hire (BCH)

Business Contract Hire (also known as BCH) is a perfect solution for businesses looking for predictable motoring costs and fleet management solutions.

Why not take the hassle out of business motoring with our contract hire solutions? Take advantage of fixed monthly payments with optional maintenance packages for complete peace of mind.

Key Benefits of BCH Car Finance:

• Fixed monthly budgeting
• Optional maintenance packages
• Fleet management support
• Tax-efficient solution

Learn more about BCH car finance with our handy guide.

Personal Contract Hire (PCH)

Personal Contract Hire (also referred to as PCH) is ideal for drivers who want to enjoy a new car every few years without the commitment of ownership.

With this option, you can enjoy hassle-free motoring with all-inclusive monthly payments. Drive away in a brand-new car and simply return it at the end of your agreement.

Key Benefits of PCH Car Finance:

• All-inclusive monthly payments
• Drive a new car regularly
• No depreciation worries
• Optional maintenance packages

Learn more about PCH car finance with our handy guide.

Get in Touch Today!

Our experienced finance team is here Monday to Saturday* to help you find the ideal car finance solution. Whether you're a first-time buyer or looking to upgrade to a new vehicle, we'll guide you through every step of the process.

*We’re also open on Sundays by appointment only - get in touch to find out more.