Car finance
Use our online finance calculator (powered by iVendi) to explore indicative monthly payments for our vehicles. Select a car from the dropdown below to see example finance options and, if you wish, begin an online application.
Select a vehicle
Flexible finance options available.
Click here to get your personalised finance quote.
Finance subject to status. Terms and conditions apply.
How we finance the car for our customer
As part of our commitment to excellent customer service, Unique Sky Cars Ltd also offers flexible car finance options to suit your needs. We are a dedicated team of expert car finance brokers, focused on making your car-buying experience simple, smooth, and completely stress-free.
We work with a panel of trusted lenders to help find competitive finance deals tailored to your individual circumstances. Whether you have good credit, are building your credit history, or have faced financial challenges in the past, we aim to provide solutions that work for you.
Our team will guide you through every step of the process—from application to approval—ensuring everything is clear, transparent, and hassle-free. With quick decisions, flexible terms, and professional support, we make it easier than ever to drive away in your ideal car with confidence.
Finance FAQs
Answers to common finance questions.
How does car finance work?
Car finance lets you spread the cost of your vehicle over fixed monthly payments instead of paying the full amount upfront. You choose your deposit amount and loan term (typically 12-60 months), then make regular payments until the balance is cleared. Once approved, we handle the paperwork and you can drive away in your chosen car. Subject to status and affordability checks.
No. Our initial eligibility check uses a soft search that won’t impact your credit score or appear on your credit file. You can see your likely approval odds and estimated rates without any commitment. Only the final application, if you decide to proceed, involves a full credit check.
Hire Purchase (HP) means you own the car once all payments are made. Personal Contract Purchase (PCP) has lower monthly payments but includes a final balloon payment if you want to keep the car—or you can return it or part-exchange. We’ll explain both options and help you choose what suits your budget and plans.
A deposit isn’t always required, but putting money down usually reduces your monthly payments and can improve your approval chances. Most customers pay between 10-20% of the vehicle price. You can also use a part-exchange vehicle as your deposit. Use our finance calculator to see how different deposits affect your payments.
Yes, we work with lenders who consider applications from customers with varied credit histories, including previous missed payments, CCJs, or defaults. Approval depends on your current circumstances and affordability. We recommend checking your eligibility first—it’s quick, won’t affect your credit score, and shows your realistic options.
Start by using our online finance calculator to see estimated monthly payments. Then complete a quick eligibility check to see your approval likelihood. If you’re happy to proceed, submit a full application online—it takes around 10 minutes. You’ll usually receive a decision within minutes, and we’ll guide you through the final steps.
You’ll need valid photo ID (driving licence or passport), proof of address dated within three months (utility bill or bank statement), and bank details. If you’re self-employed, lenders may request additional proof of income such as tax returns or business accounts. We’ll confirm exactly what’s needed once you apply.
Absolutely. We’ll value your current vehicle and the amount can be used as your deposit, reducing the finance needed and lowering your monthly payments. Part-exchange is accepted regardless of whether you have outstanding finance—we’ll settle it as part of the deal. Get in touch for a free valuation.
Most applications receive an instant decision, typically within minutes. In some cases, lenders may need to review additional information, which can take 24-48 hours. Once approved, we’ll arrange the paperwork and you can usually collect your car within 1-3 working days, depending on final preparation and payment processing.
Yes, you can settle your finance agreement early at any time. You may save on interest, though some lenders charge an early settlement fee (typically one or two months’ interest). Contact your lender for an exact settlement figure. Paying extra each month can also reduce the term and total interest paid.