With the current restrictions on personal credit caused by the recession, car dealer finance is considered an easy way of getting vehicle finance and buying a new or expensive car . The low level of acceptance from high street banks for personal loans, previously considered a standard route to car finance, means many are turning to dealer finance .

Car companies often have stakes in vehicle finance firms, and therefore acceptance rates are likely to be higher. Finance applications for vehicles from car dealers may be more likely to be accepted.

Consumers who are considering a motor finance agreement from a car dealer should consider the whole cost for comparison, not simply the headline rate.