Selected Lender Panel
By comparing options from selected UK lenders, we help find finance routes suited to your circumstances.
Finance for cars, vans and leisure vehicles, built around you.
Find your ideal car finance package today.
Rates from 9.9% APR, subject to status, affordability and lender criteria. As a specialist UK vehicle broker, we compare options from our selected lender panel to help find a competitive and flexible funding route.
Your car finance partners
Car finance designed around your budget.
Fynex helps you navigate the vehicle funding market with ease. We specialise in structuring personalised agreements that suit your financial goals, offering a transparent service from your first enquiry to driving away.
Competitive Finance Routes
Our lender panel gives you access to a range of finance options, with clear comparisons before you decide.
Refinancing & Equity
We can restructure current car agreements, release equity, or address negative equity to lower your monthly outgoings.
Our commitment
Our deep market expertise works to your advantage.
As an established vehicle broker, Fynex provides a highly personalised and transparent service. We compare multiple finance paths so you can choose the best route with total clarity.
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Named specialist from enquiry to keys
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Core structures compared: PCP, HP and lease
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Broker fees charged by Fynex
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Typical time to decision
Finance for every scenario
Whatever you are looking to fund, we will explain the routes that may fit.
Browse by brand
Already know the make you want?
Fynex arranges finance across popular UK makes, from practical hatchbacks to prestige SUVs, electric cars and specialist performance models.
View all brands →Flexible finance options
PCP, HP or Finance Lease.
We will explain the options clearly.
Best for: changing cars every few years
Personal Contract Purchase
Lower monthly payments, with a final optional balloon payment set aside until the end. At the end of the term you can buy the car outright, hand it back, or use any equity as a deposit on your next one.
- Lower monthly payments than Hire Purchase
- Optional purchase at the end with no obligation
- Mileage agreed upfront, based on how you drive
- A route into a newer or higher value car
Ownership at endOptional
Mileage limitYes, agreed upfront
Balloon paymentYes, GMFV
Best forRegular upgraders
Best for: straightforward ownership
Hire Purchase
Fixed monthly payments over a fixed term, then you own the car after the final payment and any option to purchase fee. No balloon payment, no mileage limit, and no final value decision to make. Often a strong route for older vehicles or higher mileage cars.
- Own the car outright at the end of the term
- No mileage restrictions, so you can drive as you like
- No final balloon payment to worry about
- Often works well for older or higher mileage cars
Ownership at endAfter final payment and any option fee
Mileage limitNone
Balloon paymentNone
Best forLong term keepers
Best for: business users
Finance Lease
Keep cash in the business while rentals remain fixed and predictable. VAT and tax treatment may apply depending on your VAT status, vehicle use and business circumstances. Sale proceeds at the end of the agreement depend on lender terms.
- Fixed, predictable monthly rentals
- Potential VAT recovery on payments
- Keep capital in the business
- Sale proceeds may be returned to you, depending on the lender terms
Ownership at endNo (leased)
Mileage limitAgreed upfront
VAT treatmentDepends on use
Best forBusiness drivers
Not sure which option suits you? That is exactly what we are here for. Ask us.
Finance calculator
Get an idea of your monthly cost.
Move the sliders to explore how amount, term, and credit profile affect your payment. This is an indication only, not a guaranteed quote. PCP final payments and Finance Lease rentals need vehicle and lender details.
£5k£150k
12 mo60 mo
Estimated monthly
£632.86
- Total payable
- £30,377.50
- Cost of credit
- £5,377.50
- Fixed APR
- 9.9%
Illustration only. Example based on borrowing £20,000 over 48 months at 9.9% APR fixed, with 48 monthly payments of £506.29 and total amount payable of £24,301.92. Rates from 9.9% APR, subject to status, affordability and lender criteria. Your actual rate may differ.
How we work
Our simple step by step process.
Step 1
Enquiry
Contact our specialists and discuss exactly what you’d like to finance.
Step 2
Application
We submit your application across our lender panel. Many lender decisions come back within around 24 hours once the required information has been provided.
Step 3
Approval
Once it’s approved, you’ll receive a clear finance agreement to complete, explained in plain English.
Step 4
Payment
Once the signed agreement and required checks are complete, we coordinate with the lender and dealer so funds can be released and you can collect the car.
Broker Advantages
Why Customers Use a Finance Broker
01
More than one route to finance
Brokers compare options across a panel of lenders rather than forcing you into a single dealership product, giving you a clearer view of available routes.
02
Plain English support
No confusing industry jargon. We explain the difference between PCP, HP, and Lease agreements clearly, helping you make a fully informed decision.
03
Built around the car you've found
Once you locate a vehicle at any reputable UK dealership, we coordinate directly with them to manage the paperwork and speed up your collection.
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Subject to status and affordability
Responsible borrowing is our priority. We assess your circumstances transparently to structure agreements that remain comfortable for your budget.
Got questions?
Common questions
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Submitting an enquiry through the website will not affect your credit score. If you choose to proceed, we or a lender may carry out eligibility checks and will explain whether any search is soft or hard before it happens.
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You will usually need a valid UK photo driving licence, proof of address, proof of income, and the vehicle details if you have already found a car. If a lender asks for anything else, we will explain exactly what is needed and why.
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Many applications receive a decision within around 24 hours once submitted to the lender panel. More specialist vehicles, higher value finance, or applications needing extra checks can take slightly longer.
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Fynex does not charge you a broker fee. We may receive commission from the lender if your finance agreement completes, and we will explain this clearly before you sign anything.
Ready when you are
Ready to talk numbers?
No obligation and no pressure. Call or email a specialist about the car, the budget, and the route that suits you.