We’re here to help people transition to lower emission vehicles, in line with the UK’s mission towards net zero. How? By helping car buyers finance their next used car via our partners.
With Hire Purchase (HP) finance, you essentially hire the car until you’ve paid off the loan, meaning you can drive away right away and repay over time.
You’ll put down an initial deposit, followed by fixed monthly payments for a fixed period of time, so you always know what’s owed and when.
Hire Purchase finance can be easier to get than other types of loans, because you technically hire the car, rather than purchase it outright.
Once your finance is approved, your interest rate is set to reflect your credit score and is locked in so you’ll know upfront what interest is owed.
Tandem Motor Finance is only available through our network of approved dealers or specialist brokers, so if they recommend us to you, you can trust it’s a good deal.
As Tandem technically owns the car whilst you’re paying if off, we are legally responsible if there are any problems with it, that are not caused by you.
Petrol cars must meet Euro 4 emissions standards to be ULEZ compliant. Most, if not all, petrol cars registered since January 2006 meet these standards.
Petrol cars that meet Euro 5 and Euro 6 standards are also exempt from paying charges.
Diesel cars must meet Euro 6 standards to be ULEZ compliant. Almost every diesel car registered since September 2015 meets these standards, though some earlier models do too (you can find some ULEZ compliant diesel cars going back to 2012).
Hybrid cars must meet the same standard as petrol or diesel cars, to be ULEZ compliant. So, petrol hybrids (the most common type) must meet Euro 4 standards, and diesel hybrids must meet Euro 6 standards.
All electric cars are ULEZ compliant, as they produce zero tailpipe emissions.
To improve air quality in highly polluted urban areas, some local authorities are introducing clean air zones (CAZ), also known as low emission zones (LEZ), to the UK.
If your car exceeds the emissions standards set for the zone, you may have to pay a charge to enter. London’s Ultra Low Emission Zone (ULEZ) is an existing example of how this might work. ULEZ currently has the strictest emissions standards, so if a car is ULEZ compliant, it should be compliant for clean air zones elsewhere.
You can find CO2 emissions and tax bands for new and used cars registered after March 1st 2001, by entering their details on the Vehicle Certification Agency (VCA) website or by contacting the manufacturer.
Typically, the lowest emission cars are Battery Electric Vehicles, followed by hybrid vehicles and then Euro 6 petrol/diesel cars, which improved on the Euro1 – 5 rated cars that preceded them.
If you are facing financial difficulties, your vehicle is not at risk – just contact us and we will work with you to find a way forward.
No, we are unable to consider joint applications.
Yes, just contact our customer support team.
We offer finance exclusively through approved motor dealers and specialist brokers only. We cannot help finance vehicles purchased privately or directly from an auction.
Yes, we offer fixed interest rates only, so you’ll know exactly what interest is owed on your loan.
Yes, just contact us and we will provide an early settlement figure.
Any UK resident aged 18 or over can apply for finance for cars that are up to 12 years old. You can apply through any of our approved motor dealers or specialist brokers. If your chosen dealer is not approved by Tandem, we may be able to add them to our growing portfolio of suppliers; ask them to contact us!
Car financing involves obtaining a loan from a lender to purchase a vehicle, which is then repaid over time with added interest and fees. You have the option to finance the entire car's cost or make a down payment and finance the remaining amount. Throughout the loan term, you'll make monthly payments to the lender until the debt is fully settled. During this period, the lender retains ownership of the car's title as collateral, and in the event of loan default, they have the right to repossess the vehicle.
