The FCA is investigating the use of discretionary commissions arrangements between motor finance providers and brokers. Specialist Motor Finance have never used discretionary commission arrangements, as such none of our customers are impacted. Our agreements state that we pay a commission to our brokers but there is no discretion for the broker to impact the customer rate.

Customer: 01244 200 746

Business Partner: 01244 200 766

Customer Portal

Customer: 01244 200 746

Introducer: 01244 200 566

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Car finance customers


We support our customers each step of the way, from choosing the ideal finance package for their circumstances and their chosen vehicle, through to repayments and beyond.

Car finance dealership partners

Business Partners

Our flexible approach to car finance means that we offer solutions that meet the specific needs of each and every one of our customers, allowing our partners to guarantee a valued sale.

How we can help

We specialise in hire purchase agreements, offering a flexible product that meets the individual needs of each customer. We ensure that we provide:

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An expert team

With experience, knowledge and training behind them, our team of car finance experts is one of the best in the industry.


Budget conscious finance

We work with you to ensure that your car finance takes into account your budget and your circumstances.


Fast processing

Operating 7 days a week, we endeavour to ensure credit decisions and same day pay out on loan advances (subject to conditions).


The highest standards

We maintain our standards through consistent audits, as well as regularly seeking feedback from our customers.


A customer focused service

Customer satisfaction is at our core; therefore we align all processes with the 6 FCA principles of ‘Treating Customers Fairly’.


No arrangement fees

Unlike many other lenders we do not charge an arrangement fee for your car finance deal.

What is Hire
Purchase (HP)?

Hire Purchase is one of the most commonly used forms of car finance and essentially means that a customer will ‘hire’ a car from the finance provider (SMF) until it is paid in full.

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Our Awards and Accreditations


Specialist Motor Finance Limited is authorised and regulated by the Financial Conduct Authority for consumer credit activities with firm reference 723813. Registered in England with company number 05544622. Registered office The Gate, International Drive, Solihull, B90 4WA.