The smart choice for motor finance in Jersey.

Get the motor finance you need within 24 hours.

Flexible terms and affordable repayments.

Motor Finance

At Smart Money, we understand that everyone has their own unique set of wheels they want to drive or ride. That’s why we offer Motor Finance for more than just cars! From classic cars to sporty convertibles, we’ve got you covered. We can also help you finance a motorbike, a new caravan, motorhome or even a van for your business. Whatever vehicle you’re dreaming of, we’ll help you get behind the wheel fast.

Motor finance, Smart choice

With affordable payments, flexible terms and low, market-leading interest rates, a Smart Money motor finance loan puts you in the driver’s seat of your financial future.

Apply online

See for yourself how easy our online loan application is, and take the first steps to owning your dream vehicle in just a few clicks.

Fast and flexible

Our car loans can be used to finance a wide range of vehicles. Get in touch with our friendly team and let us help you get on the road today. We’ll help you find the right personal loan for you.

Customer service rep on phone at desktop

How it works

Apply online now, and you could have funds within 24 hours. Our team of friendly and knowledgeable loan specialists are on hand to answer any questions you may have and guide you through the application process.

What can Smart Motor Finance be used for?

Car Finance, Smart Choice

With affordable payments, flexible terms and low, market-leading interest rates, a Smart Money car loan puts you in the driver’s seat of your financial future.

Apply Online

See for yourself how easy our online loan application is, and take the first steps to owning your dream vehicle in just a few clicks.

Fast and Flexible

Our car loans can be used to finance a wide range of vehicles. Get in touch with our friendly team and let us help you get on the road today.

Car Finance

Don’t let finances keep you from owning your dream car. Take the wheel with Smart Money’s car loan options.

Van Finance

Need a new van to keep your business moving? With market-leading rates and quick approvals, let our van loans take your business to the next level.

Motorbike Finance

Whether you’re a seasoned rider or just starting out, we’ll help you rev up the bike of your dreams with Smart Money’s motorbike loans.

Luxury / High Value Vehicles

Our bespoke finance packages for luxury and high value vehicles are tailored to your needs. Drive away in style without breaking the bank.

Classic Cars

Let us help you drive off into the sunset in your very own vintage beauty. Our classic car loans could get you one step closer to the classic you’ve always dreamed of.

Motorhome / Caravan Finance

Ready for the next adventure? Contact us about a caravan or motorhome loan today and start planning your getaway.

FAQs

We’re here to help.

How long does it take to apply for a car loan?

At Smart Money, you can apply online for a loan. The process is quick, simple and straightforward, and only takes a few minutes to complete. Your loan could be approved in as fast as one hour, with funds in your account within 24 hours.

Is it possible to get a car loan with bad credit?

At Smart Money, we understand that not everyone has a perfect credit history. We approach each application on a case-by-case basis and work with our customers to help them find a solution that works for their unique situation.

Can I finance a second-hand car with motor finance?

Yes, you can. At Smart Money we offer finance options for both new and used cars. Whether you’re looking for a reliable daily drive or a vintage classic car, we can help you make a decision about the right car loan for your needs. Our lending team will work with you to help make driving away with the car of your dreams a reality.

Representative example

For example, if you were to borrow £15,000 over 60 months at 6.5% per annum (fixed)* (representative 13.3% APR), the total amount repayable would be £19,875 of which £4,875 is interest. This excludes a document fee of £150. The document fee can be spread over the term or, payable alongside the first repayment.

*The interest rate offered, and documentation fee charged on assessment may differ and the representative rate in this example may not be the rate that you receive. The rate you are offered will depend on several factors including the amount you wish to borrow, your chosen term, your personal circumstances and your credit rating. The maximum APR you could be offered is 29.9%.

Minimum & maximum loan amounts
Minimum loan amount is £2,000. Maximum loan amount unsecured is £100,000 (higher if secured).

Minimum & maximum repayment terms
Minimum repayment term is 12 months. Maximum repayment term for unsecured lending is 60 months. Maximum repayment term for secured lending is 84 months.