Categories > Money

Banking, Credit Cards, Investments, Loans,

5 Best Car Financing Services In Glasgow

5 Best Car Financing Services in Glasgow

How We Picked

Car Financing Service

It is vital to assess the interest rates and payment schemes each company has to help customers assess their options.

Staff Expertise

The knowledge and support service of each car dealership’s staff were also rated to gauge their expertise.


Their responsiveness and promptness were also measured to let customers know what to expect during and after the application process.

Value-Added Services

We also rated the add-on services that each company offers to help customers decide which firm could best accommodate their needs.

1. Glasgow Car Finance

Glasgow Car Finance's Homepage

Services: Car Finance, Bad Credit Car Finance, Universal Credit, Soft Credit Check


Address: 26 Nurseries Rd, Baillieston, Glasgow G69 6UL, United Kingdom

Contact Details:  +44 800 0326613

Operating Hours:

  • Mon-Fri: 9 AM–6 PM
  • Sat-Sun: 10 AM–2 PM
Google reviews score4/5
Score consistency5/5
Total Reviews4.5/5
Car Financing Service4.5/5
>Interest Rates5/5
>Payment Schemes4/5
Staff Expertise3.5/5
>Support Service3/5
Value-Added Services5/5


  • Can borrow between £3,500 and £50,000
  • Relatively low APR representative
  • Specialises in assisting people with bad credit
  • Offers a soft credit search 
  • Also assists people who have universal credit


  • Offers financing only for used cars
  • Reports of dismal customer service

We believe Glasgow Car Finance is one of the top car finance services in Glasgow. In fact, they promise customers that they can drive away with a used car within 24 hours!

Not only are we impressed by their quick processing time, we are also impressed with the amount range that customers can borrow. One can borrow anywhere between £3,500 and £50,000.

We also like their relatively low Annual Percentage Rate (APR) representative which is at 13.9%. This is the lowest rate that the company can offer 51% of borrowers, which we think is quite good especially for those who do not have a good credit score.

Speaking of credit scores, those who have bad credit can still be offered car financing. which we appreciate. They actually specialise in helping people who have defaults, arrears, limited credit histories, or even county court judgements.

For those who do not want their credit scores to be lowered by credit checks, then you’d be happy to know that this shop does only a soft credit search. This means their credit check will not affect your credit score at all.

On top of that, they also specialise in universal credit car financing. People from low-income households who rely on universal credit can actually have a chance to get car finance approval.

Even though they have a more lenient set of criteria, they only provide financing for used cars, unlike others who offer financing for new and used ones.

Also, we heard reports of them hanging up on their customers which we felt was quite off putting. We were also dismayed to hear customers being threatened by the staff in their shop.

2. Startline Motor Finance

Startline Motor Finance's Homepage

Services: Hire Purchase, Personal Contract Purchase 


Address: The Skypark, 8 Elliot Square, Glasgow G3 8EP, United Kingdom

Contact Details:  +44 141 406 6622

Operating Hours:

  • Mon-Fri: 8 AM–8 PM
  • Sat-Sun: 9 AM–6 PM
Google reviews score3.9/5
Trustpilot reviews score4.7/5
Score consistency4.5/5
Total Reviews4.36/5
Car Financing Service4/5
>Interest Rates4/5
>Payment Schemes4/5
Staff Expertise3/5
>Support Service3/5
Value-Added Services4/5


  • Open all week
  • Has several awards and recognitions
  • Accredited Living Wage Employer
  • Member of the Finance & Leasing Association (FLA)
  • Offers two finance options


  • Lack of responsiveness to complaints
  • Reports of unfair late fee charges

Startline Motor Finance is another solid Glasgow-based car finance service. If you are looking for a car financing service that is open all week, we think this would be your best bet.

Aside from being highly-accessible, they have also won various awards and recognitions which quite impressed us.

For instance, they were the “Non-Bank-Owned Finance Provider of 2019” in the Motor Finance Europe Awards. They were also included in the London Stock Exchange’s “1,000 Companies to Inspire” 2019 report.

Furthermore, they are also an accredited Living Wage Employer which we admire. The Living Wage Employer Program recognises employers that pay their direct and indirect employees a living wage. 

They are also members of the Finance & Leasing Association (FLA). This proves that they follow the standards of good practice for the consumer finance industry. 

Right now, customers can take advantage of their two finance options. You can opt for the Hire Purchase wherein you pay a deposit and monthly payments, or you can choose the Personal Contract Purchase wherein Startline estimates a fixed value for the car.

Sadly, some customers mentioned that they failed to resolve their billing complaints. Some even hounded them for months before finally giving up without receiving any resolutions at all.

Also, some customers reported that they were charged late fees unfairly. Even though they changed their direct debit dates before the due date, they still incurred said fees.

3.  Fund My Car Scotland

Fund My Car Scotland's Homepage

Services: Car Finance Applications, Car Background Checks, Direct Delivery, 


Address: 71 Oxford St, Glasgow G5 9EP, United Kingdom

Contact Details:  +44 141 212 0036

Operating Hours:

  • Mon-Thurs: 9 AM–7 PM
  • Friday: 9 AM–6 PM
  • Saturday: 10 AM–5 PM
  • Sunday: 11 AM–5 PM
Google reviews score4.7/5
Facebook reviews score4.7/5
Score consistency5/5
Total Reviews4.8/5
Car Financing Service3.5/5
>Interest Rates3/5
>Payment Schemes4/5
Staff Expertise3.5/5
>Support Service3/5
Value-Added Services5/5


  • Has access to 50,000 cars throughout the UK
  • Flexible finance options available
  • Can consider people with poor credit ratings
  • Does the legwork after application
  • Can arrange for delivery direct to your door


  • Longer turnaround time than advertised
  • Average APR rates are comparatively higher  

If you are looking for a one-stop shop for buying a used car, then we think Fund My Car Scotland is worth a try. In fact, this shop has access to 50,000 cars throughout the UK, which is highly impressive.

This shop has various flexible finance options available, depending on your budget. Simply enter your desired amount and repayment in their calculator, and it will provide an estimated, affordable monthly payment.

They also specialise in helping people with bad credit histories, which we appreciate. They consider all credit profiles, and they are willing to work with you to find the best finance option that suits your individual needs.

For those with busy schedules, you’d be happy to know that this shop actually does the legwork for you upon approval. Not only will they help you choose from their extensive database with thousands of options, they will also do the necessary checks involved.

As a cherry on top, they can actually have the car delivered straight to your doorstep. With minimal involvement on your part, we think this is highly convenient.

There were reports, however, of them taking a longer time (a few weeks) to provide you with a car than what they advertised, which is a few days. Thus, do set your expectations accordingly.

Their average APR rates are comparatively higher as well, ranging from 23%-25%. 

4. Belmont Autos

Belmont Autos' Homepage

Services: Used Car Financing, Vehicle Valuation, RAC Warranty, Part Exchange


Address:  1255 Tollcross Rd, Glasgow G32 8HB, United Kingdom

Contact Details:  +44 141 778 9450

Operating Hours:

  • Mon-Fri: 9 AM–6:30 PM
  • Saturday: 9 AM–5 PM
  • Sunday: 12–5 PM
Google reviews score3.9/5
Facebook reviews score4.5/5
Score consistency4.6/5
Total Reviews4.33/5
Car Financing Service4/5
>Interest Rates4/5
>Payment Schemes4/5
Staff Expertise4.5/5
>Support Service3/5
Value-Added Services5/5


  • Family-owned business trading for over 50 years
  • Offers a free, no-obligation quote
  • Two-minute application
  • Wide range of used cars to choose from
  • All vehicles come with a minimum 3-month RAC warranty
  • Offers a part exchange service


  • Report of rude staff members
  • Could improve on follow-through with new customers

As a family-owned business which has been trading for over 50 years, Belmont Autos seems to be quite well-trusted by their local community.

We like how they offer free, no-obligation quotes for their customers. A no-obligation quote would give customers an idea of how much they’d pay each month without pressuring them to buy.

Upon receiving a favourable quote, customers can go ahead and apply. In fact, this company promises a mere two-minute application for car financing, while the application process in other companies can take up to a day or more.

After being approved, customers can choose from their wide range of used cars, making this a one-stop shop for customers. They have over 100 used cars available, which include quality brands like Audi, BMW, Citroen, Ford, and Hyundai.

We think it’s great that all of their cars come with a minimum 3-month Royal Automobile Club (RAC) warranty.  It even comes with complimentary RAC rescue, recovery, and breakdown assistance, which is quite practical.

For those looking to save money, you can take advantage of their part exchange programme. Using the value of your old car as part of the payment for your new one would certainly save you more than a few quid in terms of your monthly repayments.

It was a bit off-putting, however, to learn from their customers that some of their staff members were rude. Customers had the impression that they were being impatient and even slightly sarcastic.

Some customers also stated that they did not receive callbacks after applying in person. Thus, they were forced to go to other car finance services.

5. Eastfield Car Sales Limited

Eastfield Car Sales Limited's Homepage

Services: Online Finance Application, Trade In, Part Exchange Service


Address: 29 Camelon St, Glasgow G32 6AF, United Kingdom

Contact Details:  +44 800 012 5619

Operating Hours:

  • Mon-Fri: 10 AM–5:30 PM
  • Saturday: 10 AM–4:30 PM
Google reviews score4.3/5
Facebook reviews score4.7/5
Score consistency4.8/5
Total Reviews4.6/5
Car Financing Service4/5
>Interest Rates4/5
>Payment Schemes4/5
Staff Expertise3/5
>Support Service3/5
Value-Added Services5/5


  • Online application open 24/7
  • Part time employment/universal credits can be considered
  • Has a part exchange service


  • Reports of staff behaving unprofessionally
  • Some delays in responding to complaints

If you are in the market for a used car, then Eastfield Car Sales Limited might be a good option for you. This Glasgow-based business specialises in financing quality used cars.

In fact, they have a spacious, indoor showroom that gives customers over 40 cars to choose from. One can leisurely browse through their display in order to find their dream car.

Unlike other companies, they can actually process your online application 24/7. This is very convenient for those with busy schedules, since they do not have to come into their shop.

Typically, those who are only partially employed would be denied for car financing by traditional lenders. However, this shop can actually help by considering your individual profile, allowing part-time employees to be approved.

The same goes for those low-income individuals on universal credit. They can assist you in financing your car, unlike traditional lenders.

They also have a part exchange service for those looking to trade in their old ride for a new one. This is a cost-effective option for those on a tight budget, allowing them to lower their monthly repayments.

One downside is that we heard customers were laughed at in a sarcastic manner while handling queries, which certainly speaks to their lack of professionalism.

There were also delays in their response time, which sometimes took several days. 

These issues with professionalism and time management should be addressed sooner rather than later in order to provide a great customer experience.

FAQs on Car Financing

Related topics