Finance FAQs

Which lenders does DNA Autohaus work with?

We have direct relationships with MotoNovo Finance, Admiral Finance, Mann Island Finance, DSG Finance and Alphera Financial Services, alongside additional specialist lenders for complex, high-value and non-standard requirements. This gives us access to a significantly broader range of products than a dealer tied to a single finance house. DNA Autohaus acts as a credit broker, not a lender, and may receive commission from lenders when introducing customers to finance products.

Can I finance a McLaren, Ferrari or Lamborghini through DNA Autohaus?

Yes. We have specialist lender relationships experienced in supercar and high-value car finance. We can structure HP, PCP and, for eligible buyers, more bespoke arrangements including interest-only structures and complex refinancing. Contact us to discuss your specific requirements.

Do you offer interest-only finance options?

For higher-value vehicles and eligible buyers, yes. Some of our specialist lender partners offer interest-only payment structures that reduce monthly outgoings while maintaining asset ownership. This is assessed on a case-by-case basis.

Can I get car finance with bad credit?

Yes. Our lender panel covers a wide spectrum of credit profiles. A previous CCJ, default or missed payment does not automatically disqualify you - we assess each application individually and will present options where available.

How much deposit do I need?

Deposit requirements vary by lender and vehicle, but many of our agreements can start with low or zero deposit, subject to criteria. We will present the most suitable options based on your profile.

How quickly can I get a finance decision?

Most standard applications receive a decision within minutes. Same-day approval and vehicle collection is possible in many cases.

Can I apply for finance if I am buying from outside the local area?

Yes. We regularly arrange finance for buyers in Scotland, London, the South East and across the UK. The entire application process can be completed online and we can arrange delivery of your vehicle once finance is confirmed.

What is the difference between HP and PCP?

Hire Purchase (HP) means fixed monthly payments with full ownership at the end — no balloon, no mileage cap. Personal Contract Purchase (PCP) has lower monthly payments but a larger optional final payment if you want to keep the car. At the end, you can pay it, part-exchange or return the vehicle.

Will the commission you receive affect my interest rate?

No. The commission DNA Autohaus receives from a lender does not affect the interest rate offered to you. We will always disclose the exact amount of any commission before you enter into a finance agreement.