R N Golden: 01484 608060  

Book a Test Drive


Find Us
Call Us
R N Golden: 01484 608060  
Car Finance at RN Golden in Huddersfield

Car Finance at RN Golden in Huddersfield

Finance Enquiry

At RN Golden in Huddersfield, we understand that finding the perfect car goes hand-in-hand with securing the right finance. That's why we offer a wide range of car finance options designed to fit your budget and lifestyle. We don't want the car of your dreams to turn into a financial burden, so our friendly finance team is here to help you navigate the process and find the best possible solution for you.

Competitive Rates and Tailored Solutions

We work closely with a panel of lenders to ensure you receive the most competitive interest rates available on your car finance. This means you can drive away with confidence, knowing you've secured a great deal. Our dedicated finance team isn't just about offering competitive rates; they're passionate about finding the right repayment plan for your individual needs. Whether you have a specific budget in mind or want to explore your options, we'll work with you to create a plan that feels comfortable and manageable.

Fast and Easy Approval with a Hassle-Free Experience

We understand that time is valuable, so we've streamlined our car finance application process. You can apply online in just a few minutes and receive a quick decision. No need to wait days or weeks – get pre-approved for car finance and start browsing our extensive stock with peace of mind.

Once you've found the perfect car, we'll take care of all the paperwork, so you can focus on the exciting part – getting behind the wheel of your new car! We pride ourselves on making the car finance experience as hassle-free as possible, so you can enjoy the journey from start to finish.

Types of car finance

There are multiple ways to finance a car, from personal loans to outright cash purchase, but it’s important to understand the types of finance options so you know which route is best for you.

Cash purchase

This is when you pay for the car outright with your own funds – you won’t take out any finance contract. You’ll pay for the car in one single payment and own it outright straight away. If you don’t have the full purchase price available in cash, consider other finance options.

 

Personal Loan

A personal loan is where you arrange a loan outside of the car Retailer, usually with your bank or building society. A personal loan is where you borrow a specific amount of money for an agreed payment term. You then make regular monthly payments to your bank until the full amount of paid back. Some banks offer specific car purchase loans, while others will have general personal loans.

Hire Purchase

A hire purchase finance agreement helps you budget by offering a fixed interest rate and monthly payments, so you know what you will pay each month.If you have a specific monthly payment in mind to meet your affordability, you can adjust the deposit and length of agreement accordingly during your application. This type of finance option usually allows you to drive a newer car with better specification.At the end of a hire purchase, you own the vehicle outright. This means you can keep driving it without further payments, or use it as collateral towards a newer vehicle.

Personal Contract Purchase

If you want lower monthly payments, a personal contract purchase might be the ideal finance option for you. With a PCP deal, you delay part of the payment until the end of the agreement, which keeps your monthly payments as low as possible. 
The deposit, monthly payment, and annual mileage can all be adjusted to meet your needs. The final payment is usually known as a balloon payment and is calculated using industry data. The amount is often adjusted down so you have equity in the vehicle that you can put towards your next purchase.
At the end of the term, there are two options. First, you can pay the balloon payment and own the car in full with no further payments. Or, you can use the vehicle as a part exchange towards a new car and carry on with your monthly payments.

Rainworth (Yorkshire) Limited is an appointed representative of ITC Compliance Limited which is authorised and regulated by the Financial Conduct Authority (their registration number is 313486). Permitted activities include advising on and arranging general insurance contracts and acting as a credit broker not a lender.

We can introduce you to a limited number of finance providers. We do not charge a fee for our Consumer Credit services. We do not act as a financial adviser, or fiduciary. We act in our own interest, whichever lender we introduce you to, we will typically receive commission from them based on either a fixed fee or a fixed percentage of the amount you borrow. Any and all commission amounts will be fully disclosed to you as part of your sales journey. You will be required to give your fully informed consent to our receipt of this commission. By doing this, you acknowledge that you understand our role as a credit broker, and that we will receive a financial incentive if you take out a loan from a lender that we introduce you to.

All finance applications are subject to status, terms and conditions apply, UK residents only, 18s or over, Guarantees may be required. 

 

Privacy Policy | Cookie Policy | Complaint Procedure

Copyright © 2025 R N Golden. All Rights Reserved.
VAT Number - 374631486 | Company Number - 13244164 | FCA Number - 651618

This Website Uses Cookies

We use cookies to ensure that we give you the best experience on our website and to improve the relevance of our communications with you. If you continue without changing your settings, we'll assume that you are happy to receive all cookies on our website. However, if you would like to, you can change your cookie settings at any time. You can find detailed information about how cookies are used on this website by clicking Cookie Policy.

Ok
Cookie Policy