Private Purchase Vehicle Financing

Found the perfect car advertised privately? AA Money can help you secure the finance to make it yours – without the hassle of approaching banks on your own.

  • ✔ Access to Multiple Lenders
  • ✔ One Application, No Credit Score Damage
  • ✔ Experienced Guidance
  • ✔ Fast Turnaround
  • ✔ Regulated and Transparent

 

Fill in the form below to get a call back for private finance

    To help us speed up your application and get you one step closer to approval, your ID number is required so we can check your credit score

    Vehicle Details

    By requesting a vehicle refinancing quote, you consent to AA Money's use of your personal information for the purpose of providing the requested services and you accept our Privacy Policy.
    I authorise AA Money to perform a credit check and review my credit history through Vericred for the purpose of a creditworthiness assessment.

    What Is Private Purchase Vehicle Finance?

    When you buy a car from a private individual rather than a registered dealership, it’s known as a private purchase. Banks and credit providers treat these transactions differently — they’re generally more cautious, require additional documentation, and not all lenders will finance them at all.

    That’s where AA Money comes in. We work with multiple finance providers on your behalf to find the most competitive deal for your specific situation, cutting through the complexity so you can focus on getting behind the wheel.

    How it Works

    1

    Fill In Your Details

    Complete the short form above with your personal details and the vehicle information. This takes less than five minutes and kicks off the entire process.

    2

    We Shop the Market for You

    Our team submits your application to multiple finance providers simultaneously. Because we’re not tied to a single bank or lender, we’re able to compare offers and negotiate on your behalf.

    3

    You Receive the Best Offer

    Complete the short form above with your personal details and the vehicle information. This takes less than five minutes and kicks off the entire process.

    4

    Funds Paid Directly to the Seller

    Once you accept and sign, the funds are paid directly to the private seller. The vehicle is registered in your name and the finance agreement begins.