Skip to main content Skip to footer

Car Finance

With nearly two decades of experience in the motor sector and a distinguished reputation in customer satisfaction, James Murray Finance is the perfect choice for sourcing your next finance agreement. We have an excellent choice of products to ensure that the perfect finance solutions are available.

Whether you're looking to save on interest charges for a new purchase, finance an existing agreement or even want a balloon payment on an older vehicle, we can tailor most agreements to meet your specific needs. 

While our most common enquiries are that of prestige, sports, and family cars, we also offer finance solutions for electric vehicles, classic cars, and race cars. Our panel of lenders includes those who specialise in providing finance for specific types of vehicles as well as those more familiar brands, so we can tailor a solution to suit individual circumstances and preferences.

Products we offer:

Personal Contract Purchase (PCP)

A type of car finance agreement that has become increasingly popular in recent years. PCP stands for Personal Contract Purchase and is a loan that is used to purchase a vehicle. The borrower makes regular payments over a set period of time, typically three to four years, with the option to purchase the car at the end of the term. The key benefit of a PCP agreement is the flexibility it offers. The monthly payments are typically lower than other forms of car finance, and you have the option to trade in the car for a new one or return it at the end of the term. At James Murray Finance, we can help you secure a PCP agreement that is tailored to your individual circumstances.

Hire Purchase (HP)

Hire purchase is a popular financing option for individuals looking to purchase a car. With Hire Purchase, you can spread the cost of a car over a period of time without having to pay for it all upfront. Essentially, you hire the car from a finance company and pay a deposit at the start of the agreement. You then make monthly payments over an agreed term, typically 2-5 years, until the full balance of the car is paid off. Once you've made the final payment, you own the car outright. At James Murray Finance, we have access to a panel of lenders who offer Hire Purchase agreements for all types and age of car.

Lease Purchase / Hire Purchase with Balloon

Lease Purchase and Hire Purchase with Balloon are flexible and affordable ways to acquire a car, allowing you to spread the cost over a period of time. With Lease Purchase, you make monthly payments and have the option to purchase the vehicle at the end of the term. These agreements are similar to a PCP but without the guarantees of handing the car back to the finance company. James Murray Finance offers lease purchase options for individuals and businesses, with a variety of terms and repayment options to suit your needs. Lease Purchase can be a popular choice for older vehicles that don’t always qualify for a PCP. We can help guide you through the process, ensuring that you understand your options and make an informed decision. Whether you're looking for a personal car or a company vehicle, we can help you find the right Lease Purchase solution.


Re-financing a car means taking out a new loan to pay off an existing car loan. This might be a practical solution if you have a balloon payment due on your existing agreement and would like to keep the car in the short or long term. Alternatively, a re-finance agreement can be explored if the new loan comes with more favourable terms, such as lower interest rates, smaller monthly payments, or a longer loan term. Re-financing can help borrowers save money on their car loan, reduce their monthly payments, or pay off their car loan faster.

Equity Release

Equity release is a process that involves using the equity in a vehicle that you own as collateral for a loan. The car acts as security against the borrowed funds. This type of financing can be available if you own a vehicle outright or have a large amount of equity remaining. Clients often turn to equity release when they face time constraints or funding difficulties in purchasing an asset, especially when the asset is located overseas and a quick financing option is needed. James Murray Finance can help by finding a lender that offers equity release on your specific car. We can also assist in finding the best terms and rates for the loan, ensuring that you get the most favourable deal possible.

Not sure what you're looking for?

Need a quote or just want some general advice? We can help, as we can fund almost any car and with a no pressure approach, we're happy to have a provisional chat and explore your options.

Hi, I'm James Murray

Trusted Funding Solutions

How it Works

Finance applications come in all shapes and sizes. Some applications are very straightforward and have quick turnaround times and others are a little more complex. 

It generally works something like this:

  1. Enquire with no obligation, no fee or credit checks being carried out
  2. Provide proposal information which gets submitted to an appropriate lender, at which point credit checks are carried out
  3. Assuming the finance is approved and no additional information is required, we prepare and raise any relevant paperwork needed
  4. After signing your documents we arrange for the funds to be transferred to the dealer, client or existing finance provider

Request a Quote

Car Finance Enquiry Form

The 'Full name' field is required
The 'Telephone' field is required
Please enter a valid Email address

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

James Murray Finance Ltd

Why finance with us?

We never charge our clients for our service as the lenders who provide the finance pay us a commission directly.

Our panel of over 80 lenders provides a wide range of suitable finance products, including some that are not readily available to customers directly. This gives our clients a better chance of finding the best funding solution.

Two decades of industry-specific expertise, during which we have developed a deep understanding of the financial needs and challenges faced by our clients. Our years of experience have allowed us to develop a comprehensive understanding of the financial products and services available in the market.

Customers benefit from superior, pre-agreed terms with approved banks, which can result in significant savings on interest charges compared to using dealer finance.

Unparalleled levels of communication and a trustworthy, relationship-led service. Our goal is to build long-lasting relationships with our clients by providing exceptional customer service and tailored financial solutions that meet their unique needs and goals.

Intrinsic understanding of each funder ensures market leading turnaround times.

Honesty, transparency and integrity are the cornerstones of the business. Our commitment to these values means that we always provide clear and concise information about the financial products and services we provide.

We provide honest and authentic advice, tailored to our clients' specific needs and preferences. Unlike most dealer arranged finance, we are not incentivised on which car or asset is being purchased, which helps when comparing the most suitable funding solutions.

Customer Testimonials

I’ve known James for a long time and can say with absolute certainty that he is one of the most trustworthy and reliable of people I’ve had the pleasure to deal with. His attention to detail and levels of service are second to none. He’s the best in the business.


James has been immensely helpful, always providing an exceptional service. His quotes have always been highly competitive. I look forward to working with James again in the future.


The support we have received from James throughout the years has been invaluable to our business. His knowledge, combined with trust is a great combination.


James always has our best interests at heart and I know that I can trust his professional opinion when getting advice on funding.


Cookie Policy

Click here to find out more about how this website uses cookies to enhance your browsing experience.