Used Car Finance at Frosts

What used car finance do we offer?

At Frosts we like to keep used car finance as simple as possible. That's why we offer a Conditional Sale finance option at a fixed rate of 9.9% Representative APR.


What is Conditional Sale Finance?

A Conditional Sale (CS) finance agreement gives you the peace of mind that the interest rate and monthly payments will be fixed throughout the agreement. Once all the payments have been made, the vehicle is yours to keep.


Which lenders do we work with?

We work in partnership with two carefully selected lenders; Santander Consumer Finance and MotoNovo. Each of our partners offers a quick and hassle free online application process with a finance decision often provided within 60 seconds.


How does it work?

Your Requirements

Your dedicated Sales Consultant will discuss your finance requirements with you including the deposit amount, term required and desired monthly payments.


Finance Application

Once agreed, your Sales Consultant will submit a finance application for you. We do this online and a decision is usually back to us within 60 seconds.


What happens next?

After paying the deposit and completing the regular monthly payments over the term set out in the agreement, you own the vehicle. The car is paid for and yours!



We're SAF Approved


If you're looking to finance a used car with us you can rest assured that both Frosts as a company and our individual Sales Consultants are SAF Approved.


But what is SAF Approved? As part of our dedication to offering motor finance, each and every one of our Sales Consultants has completed and passed an online motor finance test, meaning they're perfectly placed to help you understand the options available.


With the expertise and knowledge from SAF, our friendly Sales Consultants are your main point of contact and will personally guide you through the whole application.



Finance is subject to status over 18s only. Terms and conditions apply. Guarantees/indemnities may be required. Finance provided by Frosts Cars Ltd is Conditional Sale. We can introduce you to a limited numbers of finance providers that we have carefully selected, who will pay us a commission. The providers are Santander Consumer (UK) plc, Santander House, 86 Station Road, Redhill, Surrey, RH1 1SR and MotoNovo Finance, MotoNovo House, Lambourne Crescent, Cardiff Business Park, Llanishen, Cardiff, CF14 5GL. Frosts Cars Ltd are authorised and regulated by the Financial Conduct Authority (register number 005186). Frosts (Cars) Limited act as a non-independent credit intermediary for a limited number of lenders and are able to offer a limited number of finance products from these providers. Frosts (Cars) Limited is authorised and regulated by the Financial Conduct Authority (FCA Reg No: 673511)