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Car Finance


Family Car Sales are a credit broker and not a lender. We are Authorised and Regulated by the Financial Conduct Authority. FCA No: 685320 Finance is Subject to status. Other offers may be available but cannot be used in conjunction with this offer. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase.

Here at Cator Family Car Sales, we believe that everyone should be able to get the car finance they need, in order to own a reliable car that they can be proud of. 

Whether you’re looking for something sporty, your next family car, your first cherished car or even just looking to upgrade your old ‘runabout,’ then come and chat to us! Pop in to see us or call on 01953 789504 to have a friendly chat today - your next car is waiting for you!

All our retail sale cars are HPI-checked, have a thorough Pre-Delivery Inspection, and come with our fully comprehensive 3-month PERSONAL GUARANTEE Warranty, plus a full MOT!

We work with several different finance providers, so that you get the best rate possible. (REPRESENTATIVE 10.1% APR) We are pleased to be able to offer “No Deposit” finance, and we'll happily take in your old car as part-exchange too!

We can cater for people with poor / bad credit (REPRESENTATIVE 42.9% APR)

The team at Cator Family Car Sales are proud to announce that we can usually provide car finance for people who have previously had poor credit.

We're non-judgmental and we're here to help. We've worked with many of our customers in our no-pressure environment, and we've helped them find affordable car finance, even though they may have struggled to get finance elsewhere.

Whether you’ve had a CCJ, Defaults, have previously been Bankrupt or you’re Self Employed, we believe that we can help. We can also assist members of HM Forces, who sometimes have difficulty in obtaining car finance.

To make things even simpler we offer:

* Pre-approval prior to viewing
* Existing finance settled
* Zero deposit finance (subject to status)
* Fast approval
* Tailor-made finance packages
* Applications over the phone or in-person

CALL US ON 01953 789504 TODAY!

Important Information:

What is car finance? The product we use is called Hire Purchase, otherwise known as HP. It is one of the most popular ways of financing a car as you can pay off the balance in affordable monthly instalments over an agreed term, at a fixed rate of interest. The finance is secured against the vehicle, and logged on the HPI database. You will own the vehicle once all monthly payments, plus any option to purchase fee has been paid in full.

Hire Purchase - Pros & Cons

* Simple to arrange
* Fixed monthly payments
* Fixed interest rates
* Flexible term lengths 24-60 months
* Cars HPI checked
* Vehicle belongs to you after final payment
* Particularly suitable for purchasing vehicles

* The vehicle belongs to the finance company until you pay your final payment
* If you miss a repayment your vehicle will be at risk of being repossessed
* Hire Purchase is not suitable if you are planning on paying off your loan within a short period of time.
* You cannot sell a car privately if it has finance on it – you are still liable for the finance even if you are no longer the registered keeper.

Lockhart-Cator Ltd t/a Cator Family Car Sales is authorised and regulated by the Financial Conduct Authority for credit brokerage, FRN 685320. Lockhart-Cator Ltd t/a Cator Family Car Sales is a credit broker not a lender.

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