Over 90% of customers beat dealer finance 📞 07536 411449 ✉️ [email protected]

UK Car Finance Brokers

We Beat Dealership Finance Quotes

Save money on your next car. We compare PCP and Hire Purchase deals from a whole panel of UK lenders — over 90% of our customers save money, with fast, no-obligation quotes and a simple process from start to finish.

Whole-of-market lender panel Free, no-obligation quote We handle the dealer
Watch first ▶
See how we beat dealer finance

Example savings

Real quotes. Real money saved.

Genuine quote comparisons against dealership finance — same car, same deposit, same term, lower rate.

Better Rate wins
2021 BMW M4
3.0 BiTurbo Competition
PCP · 48 months · £11,750 deposit · 10,000 mi/yr
Dealer quote
£646.35/mo
13.9% APR
Better Rate
£522.71/mo
8.9% APR
Monthly saving
£123.64/mo
Total deal saving
£5,934
Better Rate wins
2022 BMW X3 M
3.0i Competition Auto xDrive
PCP · 48 months · £10,000 deposit · 10,000 mi/yr
Dealer quote
£749.21/mo
12.9% APR
Better Rate
£640.26/mo
8.1% APR
Monthly saving
£108.95/mo
Total deal saving
£5,229
Better Rate wins
2025 Mercedes-AMG A45 S
2.0 AMG S Plus 8G-DCT 4MATIC+
PCP · 48 months · £10,000 deposit · 10,000 mi/yr
Dealer quote
£610.54/mo
11.9% APR
Better Rate
£576.98/mo
8.9% APR
Monthly saving
£33.56/mo
Total deal saving
£1,610
Better Rate wins
2022 Audi RS5
2.9 TFSI V6 Carbon Black Sportback
PCP · 48 months · £10,000 deposit · 10,000 mi/yr
Dealer quote
£628.12/mo
13.9% APR
Better Rate
£594.70/mo
8.9% APR
Monthly saving
£33.42/mo
Total deal saving
£1,604

Figures are taken from genuine customer quote comparisons. Total deal saving is the monthly saving over the 48-month term. Your actual rate, payments and savings depend on the lender, vehicle and your individual circumstances. Finance is subject to status.

D, founder and CEO of Better Rate Finance and former BMW specialist
D
D — Founder & CEO Ex-BMW apprentice · Top salesman, Rybrook Group

Meet the founder & CEO

Built on real motor-trade experience

"I started in the motor trade at 18 as a BMW apprentice, learning the industry from the ground up. To prove myself, I worked a full year in used car sales completely unpaid — just to get my foot in the door and show what I could do.

From there, I built a loyal customer base and went on to become the top used car salesman across the Rybrook Group, finishing first in my first official year. Since then, I've built my own network specialising in sourcing BMWs, helping customers find the right cars at the right price — something I still do today."

18
Started in the motor trade as a BMW apprentice
#1
Top used car salesman across the Rybrook Group
90%
Of our customers save money vs dealer finance

Get started

Get your free, no-obligation quote

Send us the car you want and a few quick details — we'll compare the market and come back with your best rate. It only takes a couple of minutes.

  • Takes around 2 minutes to complete
  • No obligation — there's nothing to pay to get a quote
  • We compare a whole panel of UK lenders
  • A real expert handles your deal, start to finish
D
"Send me the link to the car you want and I'll do the rest — comparing lenders to get you a better rate than the dealer." — D, Founder & CEO
Application Form

How it works

Three simple steps to a better rate

From the car you want to the keys in your hand — we handle the hard part.

1

Choose your car

Send us a link to the car you want and complete our quick application to get started.

2

We secure your deal

We compare lenders and negotiate the best finance option tailored to your situation.

3

Drive away

We handle everything with the dealer so you can collect your car or have it delivered.

What customers say

Loved by drivers across the UK

★★★★★ 5.0 average · real reviews from verified Better Rate Finance customers
★★★★★

"Can't thank you enough… exceptional service from start to finish."

L
Lisa
Verified customer
★★★★★

"Amazing service and an all-round great company to deal with."

U
Umar
Verified customer
★★★★★

"Great help from start to finish — saving me over £60 per month on my PCP."

J
Jake
Verified customer

Ready when you are

Ready to beat dealer finance?

Get a fast, no-obligation quote and see how much you could save on your next car.

Get Your Free Quote →
Takes around 2 minutes · No obligation · Whole-of-market lender panel

We beat dealership finance quotes — comparing a whole panel of trusted UK lenders to secure you a better rate on your next car.

f IG TT
Better Rate Finance is authorised and regulated by the Financial Conduct Authority, FRN: [ADD FRN]. All finance is subject to status and income. Applicants must be 18 or over. Written quotation on request. We act as a credit broker, not a lender. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase, and we are only able to offer finance products from these providers. We may receive a commission from lenders for introducing you to their products. The amount we receive can vary depending on the lender and the commission model in place — including fixed fee, fixed rate of commission, percentage of the amount you borrow, and rate for risk. Full details of the commission model used, how it is calculated, and the exact amount will be disclosed to you throughout your customer journey. Better Rate Finance is a trading name of [REGISTERED COMPANY NAME], registered in England & Wales, company number [COMPANY NO.], registered office [REGISTERED OFFICE ADDRESS].
© 2026 Better Rate Finance. All rights reserved. Privacy Policy · Cookie Policy · Terms · Complaints
Chat to us on WhatsApp