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Why Choose Us? We offer unsecured car finance loans and can offer specialist help to people with a poor credit history.

At David James we aim to help our customers understand all the finance options that are available to them, before looking to tailor the finance solution that is best for their needs. That is why on this page you will find out all the information you will need. You can always reach us on 0191 2661457 to speak to our finance experts.
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Why Dealer Finance


You enter into an agreement over a fixed period at a fixed instalment. Upon payment of the final instalment the vehicle becomes yours. We can tailor the dealer to suit you needs with deposits starting from only £100.
• An alternative funding line to bank overdrafts.
• Ownership at the end of the contract
• Low initial outlay
• Flexible contract
• Fixed monthly cost
• Business capital not tied up in a depreciating asset


PCP works very similar to Hire Purchase – with the added advantage of a guaranteed future value on the vehicle (GFV) at the end of the period.
PCP is for the individuals who want the option of eventual ownership coupled with the security and peace of mind of the Finance Company guaranteeing the vehicles value (subject to normal wear and tear and an agreed mileage) at the end of the period.
The option of a low initial deposit is payable, followed by a fixed monthly payment for the period of the loan. At the end of the agreement the guaranteed future value (GFV) becomes relevant and you have 3 end of contract options:
The vehicle may be owned by paying the guaranteed future value.This value is fixed at the start of the agreement and will be as stated on the original documentation.
The car can be handed back to the Finance Company , subject to the vehicle meeting the conditions in the agreement.
The vehicle may be part exchanged against a new vehicle using any equity, the difference between the cars trade in value and the guaranteed future value, as deposit.

David James Limited

David James Limited

Bapty House, Front St, Benton, Newcastle upon Tyne, NE12 8AE

Registered in England and Wales, registered number 06431400. VAT number 918 2242 38

David James Limited are a credit broker and not a lender. We are Authorised and Regulated by the Financial Conduct Authority. FCA No: 663755 Finance is Subject to status. Other offers may be available but cannot be used in conjunction with this offer. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase.
Registered in England & Wales: 06431400
Registered Office: Address: Bapty House Front Street, Benton, Newcastle Upon Tyne, NE12 8AE
Data Protection No: ZA137077

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