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Introduction to refinancing

Lillian Stanley refinancing is the hassle-free way of restructuring your funding, to suit your current needs.

You may be looking to reduce your monthly outgoings, the great news is you do not have to sell your car to achieve this, restructuring your car finance could be an option.

If you wish to extend or reduce the term of your agreement, to either keep your car longer or to pay your agreement off sooner.

If you have a balloon at the end of your current agreement but want to keep your car, you don’t need to pay it off in full. Again, refinancing your balloon amount could allow you to pay this in more manageable monthly repayments. 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 will 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


At Lillian Stanley, we strive to be the best broker to do business with by prioritising the needs of our clients above all else. We understand that financial matters can often be complex and overwhelming, which is why we go the extra mile to provide guidance and support with a gentle and patient approach.

Our knowledgeable team is dedicated to delivering the highest level of service, ensuring that our clients feel understood, valued, and confident in their financial decisions. We believe in building long-term relationships based on trust, transparency, and integrity. With a friendly and helpful attitude, we aim to create a welcoming and inclusive environment where everyone feels comfortable discussing their financial goals and challenges. We are committed to staying informed about the latest trends and innovations in the finance industry, allowing us to offer cutting-edge solutions tailored to each client’s unique needs. By continuously exceeding expectations.