CarMoney North West

CarMoney North West, vehicle finance brokering for North West dealers

CarMoney North West is the trading name of MC Vehicle Finance Limited, run by directors Claire Kelsall and Mel White. It operates as the first official partner of the CarMoney Franchise Programme, the franchise model launched by CarMoney, described on the site as one of the UK's largest car finance brokers and part of the Peter Vardy Group. The North West operation positions itself as a credit broker serving car dealers rather than as a lender.

The business states that it acts as a credit broker and not a lender, introducing customers to CarMoney. It does not charge a fee for its consumer credit services and is not a financial adviser or fiduciary; it typically receives commission from the lender, either as a fixed fee or a fixed percentage of the amount borrowed, and says any commission amounts are disclosed during the sales journey with the customer's informed consent.

Finance products and lending panel

The site lists PCP and HP arrangements from 9.9% APR representative, available with £0 deposit, and covers cars, LCVs, leisure vehicles and motorbikes. Finance is offered for both personal and business customers. The operation works with a panel of more than 20 prime to sub-prime lenders and cites nine PCP lenders among its options.

For dealers, the stated advantages are commission paid with advance, same-day payout and dedicated account managers. The company describes its role as giving dealers access to a broad spectrum of finance options, streamlined processes and a support system, with the aim of helping them place more deals.

Two directors with more than five decades of motor finance experience

The team section identifies the two franchisee directors. Claire Kelsall has spent 32 years in the motor finance sector, including senior roles at established motor finance brokers, and is presented as focused on customer service and on outcomes for customers, dealers and lender partners. Mel White brings over 22 years in motor finance, also with senior roles in the industry, and is described as centred on service and on lasting relationships with customers, dealers and partners. Together the site attributes them 54 years of combined experience.

Dealer feedback quoted on the site

The site reproduces comments from dealer partners. Robert Scott of Peter Scott Cars refers to quick decisions and payouts and to rates for his customers. Mike Taylor of Cheshire Performance Cars Limited mentions knowledge of finance and availability of the team. Ghulam Murtaza of Ancoats Car Sales Ltd describes the broker handling the process from arranging finance to signing up the customer and securing payout. Paul Shallcross of Shallcross Vehicle Solutions Ltd, a light commercial vehicle dealer, highlights a flexible and competitive approach and a process that runs from initial proposal through to payout. The site also displays a Trustpilot reference without a stated score.

Regulatory position and representative example

MC Vehicle Finance Limited t/a CarMoney North West is an appointed representative of ITC Compliance Limited, authorised and regulated by the Financial Conduct Authority (registration number 313486). Permitted activities include acting as a credit broker, not a lender, and it can introduce customers to CarMoney.

The site gives a hire purchase representative example: borrowing £6,000 with a £1,000 deposit over 48 months at a representative APR of 16.9%, with a monthly payment of £169.01, a total cost of credit of £2,112.50 and a total amount payable of £9,112.50. Applications are subject to status and terms and conditions, are open to UK residents aged 18 or over, and guarantees may be required.

Coverage across North West postcodes

The company states that it operates in the WA, SK, CW, CH, L, ST and TF postcode areas, which correspond to parts of the North West and neighbouring areas of England.