Vehicle Finance

Car Refinance

Restructure your existing vehicle finance to better suit your current circumstances, lowering payments or releasing equity.

Apply Now Enquire

Soft-check eligibility only • no impact on your credit score

Our Lender Panel Includes

Shawbrook•Close Brothers•Lombard•Black Horse•Hitachi Capital•Northridge•JBR•& More

66+

Trusted Lenders

£100M+

Funded

Highly

Reviewed

Excellent on Google Reviews

Why Choose Car Refinance

Better terms for your changing circumstances.

Restructure Existing Agreements

Replace your current finance deal with a better-suited arrangement.

Lower Monthly Payments

Extend your term or secure a lower rate to reduce what you pay each month.

Release Equity from Your Vehicle

If your vehicle has increased in value, unlock that equity as cash.

Continue Using Your Vehicle

Keep driving throughout the refinance process, with no interruption to your use.

Suitable for Luxury & Prestige

Specialist lenders experienced in refinancing high-value vehicles.

Fast Decisions

Streamlined assessment process with quick credit decisions from our lender panel.

Our Finance Process

How It Works

A simple process designed around you

Apply & Consult

Share details of your current finance agreement and vehicle. We will assess your options.

Credit Approval

We approach our specialist lender panel to find the most favourable refinance offer.

Document Signing

New agreement reviewed and signed. Existing finance settled simultaneously where required.

Collect Your Keys

Your new arrangement is live. Continue driving with improved terms.

Looking To Finance Something Else?

Explore our full range of vehicle, business, and property funding solutions.

Business Loans

Fast working capital solutions with flexible repayment structures.

Bridging Loans

Short-term secured finance for time-sensitive opportunities.

Asset Finance

Fund equipment and machinery without straining cashflow.

Testimonials

What Our Clients Say

Real stories from real clients

BCC

Trustpilot · Great Service from Start to Finish

“

Dan and Owura were incredibly helpful from start to finish. They guided me through the process of funding my Lamborghini Huracán Tecnica, making everything smooth and stress-free. Their professionalism and attention to detail made the experience enjoyable, and they were always available to answer my questions. I couldn’t be happier with the service.”

Opulent Pools

Trustpilot · Couldn’t recommend Crownstone enough

“

Both Dan and Owura are so helpful throughout the process, giving me loads of different options as well as advising what would work best for me. They’ve now financed 5 different cars for me and every single time they’ve gone above and beyond. 5 star guys.”

Debonair Cooling

Trustpilot · Owura and Dan are amazing

“

Owura and Dan are amazing - they’ve got me 2 vans and a GLE53. Great guys, customer service etc. Will be using them for a lifetime.”

Case Studies

Recent Work

McLaren 720S Finance

Complex income structure resolved with specialist lender.

Read Case Study

Fleet Expansion

£2.5M fleet finance arranged for growing logistics company.

Read Case Study

Frequently Asked Questions

We can refinance most vehicles, including luxury, prestige, classic, and performance cars. The vehicle must typically have sufficient value to support the refinance amount. Speak to our team for a case-by-case assessment.

An initial soft search will have no impact on your credit score. A full credit application will leave a hard search on your credit file. We will advise you before proceeding to a full application.

The amount depends on your vehicle's current market value and any outstanding finance. We can assess this quickly once we have your vehicle and existing agreement details.

In many cases, we can receive a credit decision within 24–48 hours and complete the refinance within a few days. Timescales can vary depending on lender requirements and existing agreement settlements.

Our Lender Panel