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Introduction to refinancing

You are able to refinance your asset with us to restructure the funding you already have. We understand that your circumstances may change after taking on your agreement. You may have an agreement that no longer suits your needs or you may wish to see if we can simply lower your rate. We can make it easy for you to change your financial commitment whilst keeping the same car. We can do this on multiple vehicles for you if required.

At the start of the agreement you decide the term and payments to suit your needs, we will then do all the work for you to get this in place and settle your existing agreement off seamlessly.

We can make it easy for you to change your financial commitment whilst keeping the same car

useful information

Benefits of re-financing

  • We may be able to secure you a lower rate to lower the cost of funding
  • We can adjust your term to make the agreement suitable for you if your needs have changed
  • We may be able to re-finance to borrow more against your car releasing some cash back to you.
    You will be entering into a new agreement and you will not have full title to the car until all payments including option to purchase fee are paid.

We understand that finance is confusing, we will talk you through it to make sure you have all the information you need to make an informed choice.
We can run comparison quotes so you can decide which plan works best for you.

Vehicle Finance

Why Finance With Us?


Cars we finance

We are able to fund all of your cars from your daily drive, weekend racer to that special restoration project.

Directly Authorised status disclosure

Lillian Stanley Financial Services Limited is authorised and regulated by the Financial Conduct Authority (FRN: 838153). We act as a credit broker not a lender. We can introduce you to a limited number of lenders who may be able to offer you finance facilities for your purchase. We will only introduce you to these lenders. We may receive a commission payment from the finance provider if you decide to enter into an agreement with them. You may be able to obtain finance for your purchase from other lenders and you are encouraged to seek alternative quotations. If you would like to know how we handle complaints, please ask for a copy of our complaints handling process. You can also find information about referring a complaint to the Financial Ombudsman Service (FOS) at For complaints information when a transaction is completed online, please also access the Online Dispute Resolution platform at