Personal

We have a variety of finance solutions available.

We’re flexible with our finance offering, working with a number of UK lenders.  We provide fast and clear quotes with the ability to advance funds in 24 hours.

We offer consistent and concise advice no matter what stage of the purchasing journey you’re in. When it comes to finance, we have your best interests at heart. Call us for impartial advice and peace of mind.  

A car dealership can be tied to just one or two specific lenders. As a broker, Charles & Dean have access to a variety of lenders so we can tailor the right solution for you.

As a broker we specialise in finance solutions. We consider a range of factors such as vehicle depreciation, future value, customer requirements and expectations to ensure you’re getting a finance solution that works for your individual circumstances.

At Charles & Dean we offer free impartial advice. We are happy to talk through your existing finance agreement to ensure it’s the right solution for you and check whether there is any opportunity for us to improve it.

If we find you a more suitable agreement or a better value solution we can restructure your finance through Charles & Dean. You do not have to adhere to your current finance agreement.

At Charles & Dean we are committed to being honest and ensuring we provide a personal service to everyone who contacts us.

Let Charles & Dean do the homework for you.

We have the professional expertise to assist the search on your behalf.

We can walk you through the whole process, from discussing suitable vehicles to negotiating a price and finally hand delivering your new car, it couldn’t be easier.

We can refinance your car at any stage of your agreement.

If you’ve just signed up, you’re one year into your contract or you’re looking to refinance your balloon payment, we can help.

If we find you a more suitable agreement or a better value solution we can restructure your finance through Charles & Dean. You do not have to adhere to your current finance agreement.

Call the professional team at Charles & Dean for impartial professional advice and peace of mind.

To fulfil your financial arrangement we will need your residential and employment history for affordability checks. In certain circumstances the funder may request bank statements.

We have a fantastic reputation for providing a unique tailored service, praised by our customers and financial institutions alike.

We’re not tied to any one particular funder, which enables us to be flexible and best match your individual requirements. We provide fast and clear quotes with the ability to advance funds in 24 hours.


Our commitments to you:

  1. We promise to support you before, during and after your purchase. You can rely on us to be honest, always.
  2. We will spend time getting to know you, and your unique story.
  3. We promise to be diligent and efficient, we know how important it is to get it right.
  4. We will do our utmost to provide you with a tailored service, unique to your individual needs.
  5. We invest in building and nurturing relationships, we’re proud to welcome you back time and time again for lifelong peace of mind.

Yes, you can. At Charles & Dean we can tailor a financial solution for your new car as long it’s from a main franchise dealer or a credible independent dealer.

At Charles & Dean we work as diligently and efficiently as possible, in most cases we obtain an instant decision for you. Although in some cases it can take a couple of hours.

Every application for credit will show on your credit file.

Call us on 01780 763836 to discuss your options. We can find a refinance or new finance solution for you.

Business

Asset finance is a great option for any business that is looking to purchase an asset and wishes to improve their cashflow by spreading the cost over a fixed term.

Regardless of the industry or the type of asset you’re looking to finance, we can help.
From medical equipment, through to agricultural machinery to telephone systems and office layouts. We can provide a financial solution that’s right for your business.

Asset finance is a great option when compared with alternative methods of funding.

This is because your business can benefit from the debt being secured against the asset you’re purchasing.

This leaves your business with the opportunity to utilise business loans or other funds for uses that cannot be secured against a particular asset, like cash flow for example.

Yes. We have a variety of financial options available to a range of businesses.

From asset finance, refinance to unsecured business loans.

Regardless of the industry you’re in or the size and nature of your business.
Contact us today and find out how we can help grow your business.

In most cases a deposit is required.

However there is an option to obtain 100% of the asset value, subject to the credit risk.
Call us today for expert advice and support.

At Charles & Dean we have funding options for both new and used assets.

We look at each business and asset individually.

The condition of the asset is always taken into consideration when securing asset finance.

Possibly.  At Charles & Dean we pride ourselves on building long lasting relationships with all of our customers and whilst it is not always crucial that we visit your business, it is something we endeavour to do with all of our customers.

When you arrange asset finance through Charles & Dean we will conduct basic checks to ensure affordability for your business is evident, along with suitability of the assets.

In certain circumstances the funder may require personal credit checks of the business owner/owners for additional security purposes.

As a customer of Charles & Dean we will keep you updated throughout the process and ensure you are consulted before any checks are conducted.

The minimum information required for a basic application is your company details, along with accounts and 3 months bank statements.

For more complex applications we may require additional supporting information, such as contracts and management information.

Personal assets and liabilities may be requested, however each case is unique and requirements will depend upon each application.

The key difference between asset finance and a bank loan is the extra security that comes with the asset/assets.

This means the application for funding is much simpler and easier to obtain as the lender has reassurance in not only the business, but the asset too.

Once your business has asset finance in place you have the opportunity to utilise business loans or other funds for uses that cannot be secured against a particular asset, like cash flow, rent, or advertising for example.

The asset will be valued by a chosen funder upon your finance application.

The value of the asset is obtained through recognised market values, however, specialist valuations are occasionally requested and can be granted for asset finance applications.

If cash flow is important to your business then we suggest exploring asset finance.

By leveraging credit, the cash that you would have used to purchase the assets can be invested elsewhere into your business. To produce a better return or help with cash flow for example.

We’re not tied to any one particular funder, which enables us to be flexible and best match your business’s requirements. We provide fast and clear quotes with the ability to advance funds in 24 hours.


Our commitments:

  • We promise to support you before, during and after your purchase. You can rely on us to be honest, always.
  • We will spend time getting to know you, and your unique story.
  • We promise to be diligent and efficient, we know how important it is to get it right.
  • We will do our utmost to provide you with a tailored service, unique to your individual needs.
  • We invest in building and nurturing relationships, we’re proud to welcome you back time and time again for lifelong peace of mind.