Part of the Niche Automotive Group

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Embsay Mills Business Centre


BD23 6QR.

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Tailored vehicle refinancing options

Refinancing a car couldn't be easier. We provide vehicle re finance and funding.

What does refinancing a car involve?

Car refinancing is the process of taking out a new finance agreement to pay off the outstanding balance on an existing car finance loan, usually with a new lender.


What if you aren't wanting to hand the car back? 

What if you haven't got the money to pay the balloon payment?

Want to reduce your monthly re payments?

Click below for further information.

Can refinancing help if I haven't got the balloon payment funds?

To aid cash flow and prevent a big bill we can look to re finance the balloon payment when it’s due.


This leaves you free to carry on driving your pride and joy with a new agreement in place. It may also reduce your monthly repayment.

Transferring your car finance to one of our funders could help you lower your monthly repayments or spread the cost of a final lump sum payment.


Why refinance your car with Niche Vehicle Funding? customers can switch their current PCP or HP car finance from elsewhere to us by getting an online quote, that won’t affect your credit score.


You can then choose to switch to either Personal contract purchase (PCP) or Hire purchase with a balloon (HP + Balloon) with us.

One benefit of refinancing could be that you find a car loan with lower monthly repayments. If you’re struggling to make your repayments or need more disposable income, there’s no need to wait until the end of your agreement. You could swap to a loan with cheaper monthly repayments and a longer repayment period instead.

What if I want to keep my car under contract hire and not hand it back?

Some contract hire funders will offer a purchase price at the end of the contract.


We can offer you a tailored funding option to enable you to purchase the car.

Whether you’re looking to get a better deal, to reduce your monthly repayments or finance a balloon payment, we could help, Click let's Chat below, alternatively complete the enquiry form for further information and to request a quotation.

Commonly asked questions

Vehicle Refinance Details

Live chat also available below.

Get in touch

Require further information or a quotation for a car funding option? Looking for a specific Make or Model of car to be sourced?

We can introduce you to a limited number of lenders and their finance products. We are not an independent financial advisor; we will provide details of products available, but no advice or recommendation will be made. You must decide whether the finance product is right for you. We do not charge you a fee for our services. Whichever lender we introduce you to, we will typically receive commission from them (either a fixed fee or a fixed percentage of the amount you borrow). The commission arrangements we have in place vary, depending on how you are introduced to us and with which lender we are able to place you with. When you are introduced to us by a motor retailer, we may be paid a flat fee, regardless of the interest rate you pay, finance product, length of agreement, or amount of finance. We may also be paid a fixed rate of commission, calculated as a percentage of the amount of finance. We will always introduce you to the most suitable finance lender offering you the most appropriate finance product for your needs, and at the best interest rate possible (which is determined by the finance lender) based on the commission we are paid and by your credit profile. The amount of commission we receive and pay, and your credit profile, will impact the amounts you pay under your credit agreement. In both cases, we will pass a proportion of the commission paid to us to the motor retailer that introduced you to us. We may also be paid, and pay the motor retailer, higher commission depending on the type and age of vehicle or based on the finance product you are provided with. In these cases, commission levels vary based on the levels of work required to be undertaken by us and the motor retailer. Whilst we may receive higher levels of commission based on the finance product you are provided with, this is always based on the level of work required in relation to the particular product and we will not seek to secure finance products that are not suitable for your needs.

We are a credit broker and not a lender. Niche Vehicle Funding is a trading style of Niche Automotive. Our VAT registration number is 847687858, Niche Automotive is authorised and regulated by the Financial Conduct Authority under firm reference number 650172. If you would like to know how we handle complaints, please ask for a copy of our complaints handling procedure, or click here. You can also find information about referring a complaint to the Financial Ombudsman Service (FOS) at