Looking for simple, honest car finance Reading drivers can rely on? At 1st Choice Motors Limited we help buyers spread the cost of a quality used car with straightforward finance options, so you can drive away in the right vehicle without paying the full amount up front.
We are based on Boulton Road in Reading and work with customers right across Berkshire, including Wokingham, Bracknell, Basingstoke and Newbury.
£7,795.00
Car finance lets you pay for a vehicle in monthly instalments rather than all at once. You put down a deposit, then repay the remaining balance over an agreed term.
Three things shape your monthly payment: the price of the car, the size of your deposit, and the length of the agreement. A larger deposit lowers both the monthly cost and the total interest paid, while a longer term reduces the monthly payment but increases the total you repay overall.
Part exchanging your current car counts towards your deposit, which is often the easiest way to bring monthly payments down.
The two most common types of car finance work quite differently:
On older, lower-priced used cars, HP is usually the more straightforward choice. For an independent explanation, see MoneyHelper’s guides to hire purchase and PCP.
Finance isn’t only for expensive cars. Most of our stock sits under £5,000, and spreading that cost over an agreed term often works out more manageable than paying in one go — particularly if you’d rather keep savings intact browse cars under £5,000 →
Three things shape the figure: the price of the car, the size of your deposit, and the length of the agreement. A larger deposit reduces both the monthly cost and the total interest you pay. A longer term lowers the monthly payment but increases what you repay overall.
If you already have a car, part exchanging it is usually the easiest way to fund a deposit. The value comes straight off the price, so you can reduce your monthly payments without paying anything up front. how part exchange works →
Having these ready makes the process much quicker:
A less-than-perfect credit history does not automatically rule you out. Lenders look at your overall circumstances, including your current income and how much deposit you can put down, rather than a credit score in isolation. If you are unsure where you stand, it is worth checking your own credit file first so you know what a lender will see.
Whether you need car finance Reading-side or live elsewhere in Berkshire, the quickest way to find out what is available to you is simply to ask. Tell us your budget, your deposit and the kind of car you are after, and we will talk you through the options honestly.
Part exchange is welcome, and viewings are available by appointment.
1st Choice Motors Limited
21-23 Boulton Road, Reading, RG2 0NH
Call +44 7348 590631
Low-deposit options are often available, though a larger deposit reduces both the monthly payment and the total interest you pay. Part exchanging your current car is a straightforward way to increase your deposit without finding more cash.
An imperfect credit history does not automatically rule you out. Lenders look at your wider circumstances, including current income and deposit size, rather than a score in isolation. It is worth checking your own credit file before applying, which is free through several UK providers, so you know what a lender will see.
Decisions often come back quickly, sometimes the same day, provided you have the documents ready. Having proof of address, proof of income and your driving licence to hand speeds things up considerably.
Yes. Part exchange is the most common way our customers fund a deposit. Bring the V5C, both keys and any service history for an accurate valuation.
Lenders need to see that you can afford the repayments, so a regular, evidenced income is normally required. Self-employed income supported by accounts or bank statements counts.
Most agreements allow early settlement. The exact terms and any charges depend on the individual agreement, so check the paperwork before signing, or ask us to talk you through it.