NCS Car Finance

NCS Car Finance, vehicle finance broker in East Ham

NCS Car Finance is an independent, family-run credit broker with an office in East Ham, London. Its business consists of acting as an intermediary between vehicle buyers and a broad network of finance providers, and it works with dealerships across the country to locate and finance the vehicle the customer is looking for. The company presents itself as a credit broker, not a lender.

Finance for profiles with credit difficulties

The firm's approach is aimed at those who need to finance a vehicle and face credit problems. The website expressly mentions situations such as adverse credit history, county court judgments (CCJs) or defaults. According to its description, the assessment of the application is based on affordability, current circumstances and the applicant's credit profile, and not only on their history. The company warns that it cannot guarantee credit approval for any applicant, but states that it has a large panel of lenders who consider profiles with poor credit ratings. Its underwriters work, it says, quickly to try to obtain an acceptance as soon as possible.

Financeable vehicles and stocklist

Finance is offered for cars, vans, motorbikes and touring caravans. The used vehicle stocklist available on the site includes brands such as Audi, BMW, Ford, Land Rover, Maserati, Mazda, Mercedes-Benz, Mini, Mitsubishi, Nissan, Peugeot, Porsche, Seat, Skoda, Tesla, Toyota, Vauxhall, Volkswagen and Volvo. The search filters allow narrowing by transmission (automatic or manual), fuel (petrol, diesel, electric, hybrid and plug-in hybrid variants) and maximum price, with ranges from £1,000 to £35,000.

Terms and representative example

The company publishes a representative finance example: a loan of £6,500 over 48 months with a representative APR of 21.4%, a fixed annual interest rate of 21.4% and a deposit of £0 would result in a monthly payment of £196.24, with a total cost of credit of £2,919.52 and a total amount payable of £9,419.52. A £99 admin fee applies on completion and a £299 cancellation fee applies. Applicants must be over 18 and finance is subject to status and income.

Regulatory framework and data processing

NCS Car Finance is regulated by the Financial Conduct Authority with reference number 827370. Regarding data protection, it is registered with the Information Commissioner's Office under number ZA490771. The firm states that it may introduce the customer to a limited number of finance providers and other brokers, and that it may receive a commission from the provider if an agreement is completed, without the interest rate being affected by the amount of that commission. Data is shared with Choose My Finance to offer finance options, and that entity may contact the applicant to discuss their eligibility and the available solutions.

Additional services

In addition to finance, the site offers the possibility of selling your car to the company and has a partnership programme for dealerships that wish to operate as partners. It also allows you to request a specific vehicle through the request form.

Location and contact

Office 9669, 182-184 High Street North, East Ham, London, E6 2JA · Phone: 0800 688 9047 · Email: finance@ncscars.co.uk