- Email:
- lesley@tracerfinance.co.uk
- Phone:
- 07557 123926
Car finance made simple, personal and stress-free.
I help people find the best finance options when buying a new or used vehicle. As an independent car finance broker in Aylesbury with over 30 years’ experience in finance, I compare a wide range of lenders to find a solution that suits your budget and circumstances.
Whether you know exactly what you want or are just starting your search, I guide you through the process from start to finish, clearly and honestly.
Tracer Finance is authorised and regulated by the Financial Conduct Authority. We are a credit broker, not a lender. Finance is subject to status.
I make arranging vehicle finance as straightforward as possible. There’s no pressure and no obligation – just clear advice and support throughout.
Step 1 – Initial conversation
We start with a simple conversation about what you’re looking for, your budget and your circumstances. This can be done by phone, email or online, whichever suits you.
Step 2 – Finance options explained
I search a panel of lenders to find suitable finance options for you. I’ll explain everything clearly, including monthly payments, interest rates and any terms, so you can make an informed decision.
Step 3 – Application and approval
Once you’re happy, I handle the finance application for you and keep you updated throughout the process. Decisions are often quick.
Step 4 – Drive away with confidence
After approval, your finance is completed and you can collect your vehicle knowing everything has been arranged properly and transparently.
I offer a range of vehicle finance solutions for both new and used cars. I’ll help you choose the option that works best for you. Finance available for cars, vans, campervans, caravans and business vehicles.
A straightforward way to spread the cost of your vehicle with fixed monthly payments. You own the car outright at the end of the agreement.
Lower monthly payments with flexibility at the end of the agreement. You can choose what to do with the vehicle at the end.
Lease Purchase (also known as Hire Purchase with a balloon) offers lower monthly payments with ownership at the end, plus a final balance payable.
A review of your existing vehicle finance to see if different terms could better suit your needs.
Use the finance calculator to get an idea of potential monthly payments based on your budget. This is a guide only, and I’m always happy to talk through your options in more detail.
Rates from 9.9% APR, subject to acceptance. The rate you are offered will depend on your individual circumstances.
Illustrative example only. This is not a finance quote or offer. Final figures may vary depending on lender criteria, underwriting, and applicable fees.
I work with people at all stages of their car-buying journey, whether you’re just starting to explore your options or ready to move forward with finance.
Hi, I’m Lesley Carter, the owner of Tracer Finance.
I’ve worked in the finance industry for over 30 years and started Tracer Finance in April 2015 to offer a more personal, straightforward approach to car finance. I’m fully authorised and regulated by the Financial Conduct Authority and work as an independent credit broker, not a lender.
My role is simple: to find the best vehicle finance solution for you, explain it clearly, and support you from the first conversation right through to completion. I believe in honest advice, no pressure, and making sure you feel confident in your decision.
Answers to common questions about car finance and how the process works.
Yes, if you decide to proceed with a full application, a hard search will be completed by the lender.
Not always. Some finance agreements can be arranged with no deposit, although having a deposit may improve the options available to you. I’ll talk you through what works best for your situation.
Yes. You can check for finance before selecting a specific vehicle. This can be helpful if you would like to secure a vehicle when you are looking.
In many cases, decisions can be made quickly, sometimes the same day. Timeframes can vary depending on the lender and the information required, and I’ll keep you updated throughout.
This can vary, but typically you may be asked for proof of identity, address, income and bank details. I’ll let you know exactly what’s needed and guide you through the process.
Yes. I regularly help self-employed customers and those with non-standard income. Different lenders have different criteria, and I’ll look for options that suit your circumstances.
The APR offered depends on several factors, including your credit profile and the lender’s criteria. I’ll explain any offers clearly so you understand the terms before proceeding.
No. There’s no obligation to proceed. I’m happy to provide information and guidance so you can decide what’s right for you.
We do not charge you a fee for our services however, we will typically receive commission from your finance lender for introducing you to them.
Whether you’re ready to apply or just want some guidance, I’m happy to help.
Tracer Finance is based in Aylesbury and helps clients across Buckinghamshire and surrounding areas find suitable vehicle finance solutions through a panel of trusted lenders.
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