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Used Car Finance Options

In Gorseinon, Swansea

Competitive Car Finance in Gorseinon, Swansea

At Celtic Auto Group in Gorseinon, Swansea, we specialise in making your next car purchase simple, affordable and stress-free. As a trusted family-owned used car dealer and main dealer for Subaru and KGM (formerly SsangYong), we understand that every customer has different needs and budgets. That’s why we offer a wide range of car finance options in Swansea, designed to be both flexible and affordable, so you can drive away in the car you want with monthly payments that suit your lifestyle.

Tailored Car Finance Packages to Suit All Budgets

We work closely with a panel of specialist car finance providers, allowing us to search the market and secure some of the best car finance deals in Swansea and South Wales. Whether you are looking for Hire Purchase (HP) or Personal Contract Purchase (PCP), we can help you find the right finance plan for your circumstances. Our goal is to make owning your next new Subaru, KGM SUV or quality used car in Swansea as straightforward and cost-effective as possible.

FCA Approved & Transparent Car Finance

Celtic Auto Group is FCA approved, which means we meet strict standards for fairness, transparency and professionalism in all finance agreements. You can trust that the advice you receive from our finance team is clear, straightforward and focused on helping you find the right solution – without hidden costs or confusing jargon.

Quick & Easy Car Finance Application

Applying for car finance with Celtic Auto Group couldn’t be easier. Simply complete the finance application form on this page with as much detail as possible, and a member of our finance team will be in touch promptly to discuss your options. We pride ourselves on providing a fast and hassle-free finance process, helping you secure approval quickly so you can get behind the wheel of your next car sooner.

Why Choose Celtic Auto Group for Car Finance in Swansea?

✅ Flexible finance deals tailored to all budgets
✅ Access to leading finance providers for competitive rates
✅ FCA approved dealer – finance you can trust
✅ Options available for new Subaru, KGM and used cars
✅ Fast application process with support every step of the way
✅ Family-owned and customer-focused business in Gorseinon, Swansea

Start Your Car Finance Journey Today

If you are considering car finance in Swansea, Celtic Auto Group is here to help. Fill out the online finance form on this page to start your application today, or get in touch with our friendly finance team to learn more about the flexible packages available. Drive away in confidence with Celtic Auto Group – your trusted car dealer in Gorseinon, Swansea.

Hire Purchase (HP)

A simple way of financing that gives you the certainty of a fixed interest rate, and fixed monthly payments throughout the agreement. The initial deposit and repayment period can be structured to help meet your budget and the length of time you expect to keep the car. You can trade-in your existing car and put this towards the initial deposit, or if you wish, just put down a cash deposit.

After paying the initial deposit you make regular monthly payments to cover the amount borrowed plus any interest and fees   

The interest rate is fixed which means you'll know exactly how much you will repay throughout the term of the agreement   

Once all of the payments have been paid the car is yours  

Features and Benefits 

  • Fixed monthly repayments 
  • Low Deposit 
  • Ownership of Car 
  • Budget with confidence 
  • Freedom, no mileage restrictions 
  • Ability to settle the loan early

Personal Contract Purchase (PCP)

Similar to a Hire Purchase agreement but with additional flexibility since part of the cost is deferred until the end of the agreement which may give you the benefit of lower monthly payments. The deferred amount is known as the Guaranteed Future Value (GFV) sometimes known as Optional Final Payment.

What happens next? 

At the end of your PCP agreement, you then have a number of options.   

  • Option 1 - Part-exchange your vehicle-use any equity above the Guaranteed Minimum Future Value as an initial deposit on your next purchase.   
  • Option 2 - Keep your vehicle-simply pay the Guaranteed Minimum Future Value to retain ownership.    
  • Option 3 - Refinance the final balloon payment.    
  • Option 4 - Return your vehicle and have nothing further to pay, subject to vehicle condition and within the agreed mileage terms. (Subject to terms and conditions).

Features and Benefits 

  • Flexible deposit 
  • Low fixed monthly payments 
  • The choice at the end of the agreement 
  • No need to worry about depreciation 
  • Potential lower payments than a standard HP agreement or Conditional Sale

What our customers say about us

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