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01236 800313

0735 400 3000

Car Finance Made Simple



Found the car you want? Let's talk about how to drive it away. At Auto SLJ, we work with trusted finance providers to help you spread the cost of your next car with a plan that suits your budget — no jargon, no pressure, just honest advice from a family-run team that wants to see you happy behind the wheel.


Why Finance Through Auto SLJ?

Simple, no-obligation application — takes just a few minutes.
Quick decisions, often within the hour, during opening hours.
All credit histories considered — we work with lenders who look at your whole situation, not just a credit score.
Every car HPI-clear and fully inspected, with our 6-month AutoSLJ GOLD Warranty and 12 months' AA Breakdown Cover included as standard, whichever way you pay.
Friendly, honest guidance from a local team — we'll explain your options in plain English, not sales-speak.


Types of Car Finance We Offer

Hire Purchase (HP)
Spread the full cost of the car over fixed monthly payments. Once you've made your final payment, the car is yours outright. A straightforward option if you want to own the car at the end of the agreement.

Personal Contract Purchase (PCP)
Lower monthly payments than HP, with a final optional "balloon" payment if you want to keep the car. At the end of the term, you can pay the balloon to own it, hand it back, or trade it in against your next car. A popular choice if you like to change your car every few years.

Ask our team which option best suits your circumstances — we're happy to talk you through both.

Ready to Get Moving?

Talk to our team today about your car finance options — honest advice, no pressure, and a car that comes with our GOLD Warranty and AA Breakdown Cover as standard.

Finance FAQs

Do I need a good credit history to get car finance?
Not necessarily. We work with a panel of lenders who consider a range of circumstances, not just your credit score. Get in touch, and we'll do what we can to find an option that works for you.

Will applying affect my credit score?
An initial enquiry typically uses a soft search, which doesn't affect your credit score. A full application may involve a hard search — we'll always explain this clearly before you proceed.

What's the difference between HP and PCP?
With Hire Purchase, you pay off the full value of the car and own it at the end. With PCP, your monthly payments are usually lower, but there's an optional final payment if you want to keep the car — see the section above for more details.

Can I part-exchange my current car as part of a finance deal?
Yes, we're happy to value your current car and consider it towards your deposit on a finance agreement.

How much deposit do I need?
This depends on the car, the finance provider, and your circumstances. Some agreements are available with no deposit — speak to our team to see what's possible.

Can I pay off my finance early?
Most agreements allow early settlement, though terms vary by lender. We'll make sure you understand the details before you sign anything.


Auto SLJ
1 Carlisle Road, Chapelhall, Airdrie, North Lanarkshire, ML6 8RH

📞 01236 800 313
💬 WhatsApp: 07354 003000
✉️ sales@autoslj.co.uk

Opening Hours
Monday–Friday: 10 am–6 pm
Saturday: By appointment only
Sunday: Closed

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Contact Details

1 Carlisle Road
Airdrie
North Lanarkshire
ML6 8RH 01236 800313 0735 400 3000

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