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Car Finance at RN Golden in Huddersfield

At RN Golden in Huddersfield, we understand that finding the perfect car goes hand-in-hand with securing the right finance. That's why we offer a wide range of car finance options designed to fit your budget and lifestyle. We don't want the car of your dreams to turn into a financial burden, so our friendly finance team is here to help you navigate the process and find the best possible solution for you.

Competitive Rates and Tailored Solutions

We work closely with a panel of lenders to ensure you receive the most competitive interest rates available on your car finance. This means you can drive away with confidence, knowing you've secured a great deal. Our dedicated finance team isn't just about offering competitive rates; they're passionate about finding the right repayment plan for your individual needs. Whether you have a specific budget in mind or want to explore your options, we'll work with you to create a plan that feels comfortable and manageable.

Fast and Easy Approval with a Hassle-Free Experience

We understand that time is valuable, so we've streamlined our car finance application process. You can apply online in just a few minutes and receive a quick decision. No need to wait days or weeks – get pre-approved for car finance and start browsing our extensive stock with peace of mind.

Once you've found the perfect car, we'll take care of all the paperwork, so you can focus on the exciting part – getting behind the wheel of your new car! We pride ourselves on making the car finance experience as hassle-free as possible, so you can enjoy the journey from start to finish.

Types of car finance

There are multiple ways to finance a car, from personal loans to outright cash purchase, but it’s important to understand the types of finance options so you know which route is best for you.

Cash purchase

This is when you pay for the car outright with your own funds – you won’t take out any finance contract. You’ll pay for the car in one single payment and own it outright straight away. If you don’t have the full purchase price available in cash, consider other finance options.


Personal Loan

A personal loan is where you arrange a loan outside of the car Retailer, usually with your bank or building society. A personal loan is where you borrow a specific amount of money for an agreed payment term. You then make regular monthly payments to your bank until the full amount of paid back. Some banks offer specific car purchase loans, while others will have general personal loans.

Hire Purchase

A hire purchase finance agreement helps you budget by offering a fixed interest rate and monthly payments, so you know what you will pay each month.If you have a specific monthly payment in mind to meet your affordability, you can adjust the deposit and length of agreement accordingly during your application. This type of finance option usually allows you to drive a newer car with better specification.At the end of a hire purchase, you own the vehicle outright. This means you can keep driving it without further payments, or use it as collateral towards a newer vehicle.

Personal Contract Purchase

If you want lower monthly payments, a personal contract purchase might be the ideal finance option for you. With a PCP deal, you delay part of the payment until the end of the agreement, which keeps your monthly payments as low as possible. 
The deposit, monthly payment, and annual mileage can all be adjusted to meet your needs. The final payment is usually known as a balloon payment and is calculated using industry data. The amount is often adjusted down so you have equity in the vehicle that you can put towards your next purchase.
At the end of the term, there are two options. First, you can pay the balloon payment and own the car in full with no further payments. Or, you can use the vehicle as a part exchange towards a new car and carry on with your monthly payments.

Rainworth (Yorkshire) Limited is an Appointed Representative of Automotive Compliance Ltd, who is authorised and regulated by the Financial Conduct Authority (FCA No 651618). Automotive Compliance Ltd’s permissions as a Principal Firm allows Rainworth (Yorkshire) Limited to act as a credit broker, not as a lender, for the introduction to a limited number of lenders and to act as an agent on behalf of the insurer for insurance distribution activities only.


We can introduce you to a selected panel of lenders, which includes manufacturer lenders linked directly to the franchises that we represent. An introduction to a lender does not amount to independent financial advice and we act as their agent for this introduction. Our approach is to introduce you first to the manufacturer lender linked directly to the particular franchise you are purchasing your vehicle from, who are usually able to offer the best available package for you, taking into account both interest rates and other contributions. If they are unable to make you an offer of finance, we then seek to introduce you to whichever of the other lenders on our panel is able to make the next best offer of finance for you. Our aim is to secure the best deal you are eligible for from our panel of lenders. Lenders may pay a fixed commission to us for introducing you to them, calculated by reference to the vehicle model or amount you borrow. Different lenders may pay different commissions for such introductions, and manufacturer lenders linked directly to the franchises that we represent may also provide preferential rates to us for the funding of our vehicle stock and also provide financial support for our training and marketing. But any such amounts they and other lenders pay us will not affect the amounts you pay under your finance agreement, all of which are set by the lender concerned. If you ask us what the amount of commission is, we will tell you in good time before the Finance agreement is executed. All finance applications are subject to status, terms and conditions apply, UK residents only, 18’s or over. Guarantees may be required.