Vehicle Finance

Just Asset Vehicle Finance Lincoln

Vehicle Financing

We offer a wide range of finance options for both new and used cars. When it comes to car finance, our flexibility as a broker allows us to provide some of the most competitive finance options on the market, whereas dealerships are often restricted to limited packages.

Credit History

If you have a poor credit history, or you have been refused a loan elsewhere, the good news is that we still may be able to help. In fact, a number of our lenders specialise in helping those with a poor credit history obtain car finance. Of course, no car finance is guaranteed, since everything depends on your particular circumstances – such as your age, your employment, your income and the size of the loan you are looking for - as well as your credit file. Even if you have been declined for a car loan elsewhere (such as from a bank, a car dealership or even another car finance broker), the good news is that we do work with lenders that specialise in poor credit car finance, so we may still be able to help.

Vehicle Sourcing

If you know the make and model of the vehicle you want to finance but are struggling to find the right one to purchase on the open market, then please contact us to find it. Here at Just Asset Finance we have the facility of our sister company - Just Automotive Solutions - who can purchase a vehicle directly for you, it will then be fully prepared both cosmetically and mechanically. They have over 150 vehicles available at Just but if the right vehicle is not listed then let us source and purchase it JUST for you. Please get in contact with us and let us do the work for you. We can have your finance agreement approved in principal which does not affect your credit score, and allows us to complete your transaction without disappointment.

Six simple steps... It couldn't be any easier...

Give us a call

Call Just Asset Finance on 01522 246778 / 07833 088890.

Find your vehicle

Find your vehicle from a reputable dealer or let us help you source the one you want.

Get The Best Deal

We'll shop around to find you the best finance deal.

Pay Dealer

We'll arrange for the dealer to be paid.

Collect Keys

Collect your keys and new car from the dealer.


Pay the affordable monthly instalments to the lender.

A simple repayment facility, this will provide outright ownership at the end of the financial agreement. Repayments can be fixed and structured in a flexible way, for example a balloon payment can be applied to reduce the monthly repayments.

  • Better Cashflow
  • Flexibility
  • Tax Efficiency
Similar to Hire Purchase (HP) a PCP agreement has a few differences. One is that the car’s Guaranteed Future Value (GFV) is calculated at the beginning for a PCP agreement - (compared to HP Finance where you pay against the total value of the car). For a PCP agreement you pay for the deprecation of the car. A PCP agreement gives you the flexibility to decide whether you would like to own the car outright at the end of the agreement by paying the deferred value (GFV).

  • Flexibility
  • Usually Cheaper Than HP
  • Better Cashflow
  • Low Monthly Payments