Motor finance, made simple
Driven by You.
Powered by Torque.
Whether you've already found your vehicle or you're still looking, Torque helps you explore your finance options through a panel of trusted lenders.
Soft search • No obligation • Finance subject to status
We are a credit broker, not a lender. Representative example: Cash price £10,000. Deposit £0. Amount of credit £10,000 over 48 months. 48 monthly payments of £292.72. Total charge for credit £4,050.64. Total amount payable £14,050.64. Rate of interest 17.80% p.a. (fixed). Representative 19.33% APR. Rates from 9.9% APR.
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Takes just a few minutes.
Step 1 of 9
Do you have a full UK driving licence?
Soft search • No obligation • Finance subject to status
Soft search
No impact on your credit profile
Panel of trusted lenders
More options, one application
Personal team
Real people, every step
No obligation
Review options before deciding
How it works
Simple from start to finish.
Arranging vehicle finance doesn't need to be complicated. Four steps, with our team supporting you throughout.
01
Apply
Complete our simple online application in just a few minutes.
02
Quote
We review your application through our panel of trusted lenders and explain your options.
03
Sign
Chosen your vehicle and finance? We'll guide you through the paperwork.
04
Collect
We work with you and the dealer so you can collect your vehicle.
Finance calculator
What could your monthly payments be?
Compare HP and PCP side by side. An illustration only, not a quote.
This calculator is for illustration only and is not a quote or an offer of finance. Rates shown are examples. The rate you're offered depends on your circumstances, credit history, the vehicle and lender criteria. PCP optional final payments are estimates; the actual figure is set by the lender and depends on the vehicle and agreed mileage, with charges for excess mileage or damage. Finance subject to status. Applicants must be 18 or over. Torque Motor Finance is a credit broker, not a lender.
Finance products
Vehicle finance that fits your needs.
Hire Purchase
Straightforward vehicle finance.
Personal Contract Purchase
Flexible finance with options at the end.
Conditional Sale
Simple, structured vehicle finance.
Lease Purchase
Finance designed around the vehicle and your plans.
Finance options
Finance for every journey.
More than a broker
Personal support. Every step.
You're not left to figure everything out yourself. We don't just pass your application to a lender. Our team stays with you from application to collection, and after.
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Enquiries
We answer your questions from day one.
Applications
We handle the lender side for you.
Payouts
We keep things moving to collection.
After-sales
We're still here once you've driven away.
Frequently asked questions
What is Torque Motor Finance?+
Torque Motor Finance is a UK motor finance broker. We help customers explore vehicle finance options through a panel of trusted lenders and support them throughout the finance process.
How does car finance work?+
Vehicle finance allows you to spread the cost of purchasing a vehicle over an agreed period rather than paying for the entire vehicle upfront.
Does applying for car finance affect my credit score?+
Our initial application uses a soft search, which does not impact your credit profile. If you decide to proceed with a finance application, further credit checks may be carried out by the relevant lender.
Can I get car finance with bad credit?+
Potentially. We work with customers across a range of credit profiles, including customers who have experienced credit difficulties in the past. Every application is considered according to individual circumstances and lender criteria.
Can I apply for finance before finding a vehicle?+
Yes. You can explore your finance options before you've found a specific vehicle.
How much car finance can I get?+
The amount you may be able to borrow depends on factors including your income, expenditure, credit history, the vehicle and the lender's criteria.
How long does a finance application take?+
This varies depending on your circumstances, the lender and the vehicle. Our team will keep you updated and work to keep the process moving as quickly and smoothly as possible.
Is there any obligation to take finance after applying?+
No. Making an application does not mean you have to take out finance. You can review the options available before deciding how you want to proceed.
Let's get you moving.
Soft search • No obligation • Finance subject to status