Beat the Dealer.
Drive Your Dream.
We source competitive PCP, Leasing & HP finance from a panel of trusted lenders — consistently beating what the dealership offers. Based in Edinburgh, serving the whole of the UK.
Finance Solutions for Every Need
Whether you're an individual looking for your next car or a business seeking growth capital, we source competitive rates from a panel of trusted UK lenders.
Personal Contract Purchase
The most flexible way to drive a new car. Pay lower monthly instalments and choose at the end whether to hand back, part-exchange, or pay the optional final payment to own the vehicle outright.
- Lower monthly payments
- Flexible end-of-term options
- Ideal for regular upgraders
Hire Purchase
Simple, straightforward ownership. Spread the full cost of the vehicle over a fixed term with equal monthly payments. Once the final payment is made, the car is yours — no balloon payment, no surprises.
- Own the car outright
- Fixed monthly payments
- No mileage restrictions
Personal Leasing
Drive a brand-new vehicle for a fixed monthly cost without the commitment of ownership. Ideal for those who want the latest model every few years, with servicing and maintenance packages available.
- Always drive new
- Fixed, predictable costs
- Road tax included
Finance Solutions
Built for Business
From sole traders and SMEs to larger commercial operations, we arrange the right funding structure for your business — quickly, transparently, and without the bureaucracy of going direct to a bank.
Business Asset Finance
Spread the cost of vehicles, plant, machinery, and equipment without tying up working capital. Hire purchase, finance lease, and operating lease structures available.
Business Loans
Unsecured and secured business loans from £5,000 upwards. Fast decisions from specialist lenders, suitable for growth, acquisition, or bridging cash flow gaps.
Commercial Finance
Invoice finance, merchant cash advances, commercial mortgages, and bridging loans — the full spectrum of commercial funding for SMEs and growing businesses.
Business finance subject to status. AK Asset Finance is an FCA-authorised credit broker, not a lender.
From Enquiry to Keys
in Four Simple Steps
Tell Us What You Need
Fill in our quick quote form or send us a DM. Let us know the vehicle you have in mind, your budget, and preferred monthly payment.
We Search the Market
We compare rates across our panel of trusted UK lenders — not just one bank. Our goal is always to beat what the dealership would offer you.
You Choose Your Deal
We present your best options clearly, with no jargon. You decide which product and lender suits you best. We handle all the paperwork.
Drive Away Happy
Finance approved, keys in hand. We stay in touch throughout the term and are here when it's time to upgrade or refinance.
The Independent Broker
That Puts You First
Dealerships have their own finance panels and their own profit margins. We don't. As an independent broker, our only goal is to secure the most competitive deal for you — every single time.
- We Work for You, Not the DealerUnlike in-house dealership finance, our loyalty is entirely to you. We have no incentive to push a particular lender — only to find you the best rate.
- Access to Multiple LendersOur panel includes a range of UK lenders, meaning we can often find solutions for customers who have been declined elsewhere.
- Transparent, Jargon-Free AdviceWe explain every option in plain English. You'll always know exactly what you're signing up for, with no hidden fees or surprises.
- Fast, Personal ServiceYou deal directly with us — not a call centre. Most quotes are turned around within 24 hours, and we're available via phone, WhatsApp, or DM.
- Edinburgh-Based, UK-Wide ServiceProudly based in Edinburgh, we arrange finance for clients across Scotland and the rest of the UK.
PCP vs HP — What's the
Right Choice for You?
The two most popular car finance products in the UK work very differently. Understanding the distinction is the first step to making a confident decision. We'll always explain your options clearly — but here's a quick overview.
Not sure which is right for you? That's exactly what we're here for. Get in touch and we'll walk you through the options with no pressure.
at a rate that works for you.
What Our Clients Say
"AK Asset Finance saved me over £80 a month compared to what the dealership quoted. The whole process was seamless — they handled everything and I just had to sign. Couldn't recommend them more highly."
"I'd been turned down by my bank and assumed I wouldn't get finance. AK found a lender that worked for my situation and got me into my dream car. Brilliant service, very professional."
"Refreshingly honest advice. They explained the difference between PCP and HP in a way that actually made sense, and helped me choose the right product. No pressure, no jargon."
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@ak.asset_financeGet Your Personalised
Finance Quote Today
Personal or business — no obligation, no credit check at this stage. A fast, honest quote from an independent broker who works for you.