Finance from TGS

Fast approvals, great deals — drive with confidence!

Hundreds of cars, easy finance for all credit types. Collect from local branches or have it delivered to your door.

Get Pre-Qualified Now

No Impact on your Credit Score

3 Easy Steps

1

Apply for Finance or Get Pre-Approved

  • Start with a simple, hassle-free application.
  • Our soft credit check ensures you can explore your options without impacting your credit score.
  • Access competitive finance plans tailored to your needs, whether you have bad credit, CCJs, or other challenges.
2

Choose from Our Extensive Stock

  • Browse 100s of quality used cars online or in person.
  • Find the perfect car to match your style, needs, and budget.
  • Benefit from expert advice to make the right choice.
3

Collect or Arrange Delivery

  • Finalize your purchase and decide how you’d like to receive your car.
  • Collect it from our dealership or have it delivered directly to your door.

Our Finance Providers

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Frequently Asked Questions (FAQs)

About the Vehicles
Do I have to buy a car from you?

Yes, as part of the TGS Group, we offer thousands of vehicles across multiple platforms. Our process is simplified, transparent, and fully managed in-house.

How do I know a used car will be in good condition?

All vehicles undergo rigorous inspections and come with a free 12-month warranty for peace of mind.

Can I use a part-exchange?

Absolutely. We accept part-exchanges and can arrange collection if your new car is delivered.

Can I change my mind after reserving a car?

Yes. If needed, contact us to discuss cancellation or adjustments.

Do you offer extended warranties?

Yes, we provide additional warranty options for extended coverage. Our Advance and Ultimate warranties include all major mechanical parts and even cover wear and tear.

Are there cars specifically for young or new drivers?

Absolutely! We’ve got a range of cars popular with young and new drivers, known for being in low insurance groups, cheap to run, and easy to maintain. Whether you’re after something affordable, reliable, or easy to drive, we’ve got you covered!

Our selection includes cars with low road tax, high MPG, and options that are perfect for those searching for the best cars for first-time drivers or cheapest cars for young drivers.

How soon will I receive my car after purchase?

Most of our vehicles are ready to be collected the same day once the paperwork is completed. If you'd prefer your vehicle to be delivered or require additional work such as servicing or preparation, we aim for a 3-5 day turnaround after the deposit and paperwork are finalised. We strive to get you on the road as quickly as possible!

About Finance
Do you offer both PCP and Hire Purchase finance?

Yes. Options for PCP and HP are available based on lender approval and vehicle age.

Does applying for finance impact my credit score?

Initial applications only use a 'soft credit check,' so there's no impact. A 'hard check' happens only upon full application.

Can I still apply if I’ve been declined for finance before?

Yes. We work with a range of lenders, including those catering to customers with previous credit issues.

Can I part-exchange a car that’s still on finance?

Yes, by obtaining a settlement figure to determine any positive or negative equity.

Will you help with the paperwork?

Absolutely, our team will guide you through the paperwork for a seamless process.

What documentation is required for finance?

Proof of identity, income, and address; our team will provide guidance based on your situation.

How does negative equity affect my part-exchange?

Negative equity can be rolled into a new deal, subject to lender approval, though it may slightly increase monthly payments.

Can I still part-exchange with negative equity?

Yes. Options include paying it off or incorporating it into a new finance plan.

Can I drive away on the same day?

Yes, provided all finance is in place by 3pm.

How much can I borrow?

We conduct an affordability check for each customer, reviewing income and expenses to determine a suitable credit limit.

Do I need a deposit?

No deposit is required to purchase a car. Occasionally, a refundable holding fee may be needed if we’re sourcing a vehicle for you.

How long is the finance agreement?

The term is flexible and depends on your preferences and the lender, ranging from 12 to 60 months based on your desired payment amount and payoff speed.

0% Deposit
What does 0% deposit mean?

A 0% deposit means you can purchase a vehicle without needing to make any upfront payment. This allows you to finance the entire cost of the car.

Are there any requirements to qualify for a 0% deposit?

Eligibility for a 0% deposit typically depends on factors such as your credit score, income, and affordability assessment. We assess each applicant on a case-by-case basis.

: Can I still get financing if I have a low credit score?

Absolutely! At TGS Car Sales, we specialize in helping customers across all credit profiles, whether you have a prime or subprime credit rating, have faced bad credit, previous CCJs, IVAs, or even if you've been previously declined for finance or had missed payments.

Our panel of lenders allows us to tailor solutions to suit your circumstances, so you can still get the car you want with a financing plan that's right for you. Don't let your credit history hold you back—apply now and drive away with confidence!

Will I incur any additional fees with a 0% deposit?

While there’s no deposit required, you should be aware of potential fees related to financing, such as administration or processing fees. We’ll provide a clear breakdown of all costs involved.

How does a 0% deposit affect my monthly payments?

With a 0% deposit, your total loan amount is higher, which may result in higher monthly payments compared to making an upfront deposit. However, we can tailor a plan that suits your budget.

Can I still negotiate the price of the car with a 0% deposit?

Yes, you can negotiate the vehicle's price, even with a 0% deposit. We encourage you to get the best deal possible.

How long can I finance a car with a 0% deposit?

Financing terms can vary from 12 to 60 months, depending on your preferences and the lender. We’ll help you choose a term that fits your needs.

What happens if I want to pay off my loan early?

Many lenders allow early repayment without penalties. Check your agreement for specific terms, and our team can guide you through the process.

Why Buy from US

Why Buy from Us
Why choose Top Gear Stoke / TGS Group?

  • Wide Selection and Quality: Looking for used cars near me? We offer an extensive range of quality used cars to fit all needs and budgets. Whether you're searching for cheap used cars, hybrid vehicles, small cars, estate cars, SUVs, light commercials, or vans, we have it all. From automatic cars to vehicles ideal for young drivers, we stock all major vehicle makes and models.
  • Flexible Financing: Need used cars on finance? We provide finance options tailored to all credit profiles, ensuring you can drive away in your perfect car. Whether you have a strong credit history or are working to rebuild it, we’ve got you covered.
  • Extended Warranty: For added peace of mind, we offer extended warranty options to protect your vehicle and keep you worry-free on the road.
  • Nationwide Delivery: No matter where you are in the UK, we provide nationwide delivery, bringing your dream car right to your doorstep.
  • Customer-Focused Experience: As a trusted used car dealer near me, we are committed to a transparent and enjoyable car-buying process. From your first inquiry to vehicle delivery, we make your experience simple and seamless.
  • Convenient Location and Inventory Variety: Located in Stoke-on-Trent, we’re your go-to dealership for reliable used cars. Visit us to explore our diverse inventory and find the perfect car for your needs.

Choose Top Gear Stoke / TGS Group for quality used cars, flexible financing, extended warranty options, and nationwide delivery. Your trusted used car dealer near me is here to make car buying easy and stress-free!

What if I need more assistance or have questions?

Contact our team at 01782427600 or enquiries@tgscarsales.co.uk for any additional questions.

Complaints and Aftersales Issues
Are the vehicles covered under any warranty?

Yes, all our vehicles are covered under the Consumer Rights Act 2015. This ensures your rights as a consumer are protected. If you purchase an extended warranty, additional coverage may apply.

What should I do if I have a complaint about my vehicle?

If you have a complaint, please contact us as soon as possible. Our team is here to assist you, and we encourage you to provide detailed information about the issue.

How quickly will you respond to my aftersales issue?

We aim to acknowledge and respond to all aftersales issues within 48 hours. Our goal is to address your concerns promptly and effectively.

What steps will you take to resolve my complaint?

We strive to reach a satisfactory resolution in line with the prescribed time frame set by the FCA and Trading Standards. Our team will work closely with you to find a solution that meets your needs.

What if my issue isn't resolved to my satisfaction?

If you are not satisfied with the resolution provided, you can escalate your complaint to the relevant consumer protection agencies, such as the FCA or Trading Standards. We will also do our best to assist you throughout the process.

Can I expect any costs related to aftersales services?

Generally, issues covered under the Consumer Rights Act 2015 will not incur costs. However, if your vehicle requires repairs not covered by this act or an extended warranty, you may be responsible for those expenses. We will communicate any potential costs upfront.

How can I submit a formal complaint?

To submit a formal complaint, please contact us via phone or email, detailing your concerns. We will provide you with a complaint reference number and guide you through the process.

Deliveries and Collections
Can I collect my vehicle on the same day?

Yes, you can collect your vehicle on the same day. Please ensure all paperwork is completed beforehand to facilitate a smooth process.

How much does delivery cost?

We charge £1.50 per mile from our location to your delivery address. This allows us to provide a tailored delivery service based on your specific location.

How soon can my vehicle be delivered?

We aim to deliver your vehicle within 3 days of completing all the paperwork, unless otherwise agreed upon. Our team works diligently to ensure a timely delivery.