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.

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.

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%. 

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.

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.