ACF Car Finance Reviews -

2.8 / 5
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ACF Car Finance

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Latest Reviews


“Bought a Renault Megan estate a few years ago. Only to...”

Written on: 01/02/2016 by Lindsey258 (1 review written)

Bought a Renault Megan estate a few years ago. Only to find that the cam belt needed to be changed as it had done 74000 and was only guaranteed for 72000 miles. Phoned the insurance side of AXA and told not under warranty. Spoke to salesman and was told it's my problem. After a few heated words. Was told F off. Told him I would be cancelling my agreement and was told I can't get out of it. That part was about the only thing that was true. No cooling off period. Once you sign your tied in. Even… Read Full Review

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“Don't go near!”

Written on: 08/02/2015 by RobbedMeBlind (1 review written)

Two and a half years ago we got a Ford Focus 1.6 tdci... Had problems with it ever since! It's now sat on our drive, we can't afford to get it fixed and we are still paying £253 a month for it for the next two and a half years!!!! Never ever again. If anyone asks about car finance I will make sure they steer clear of this place, bad credit or no bad credit… Read Full Review

Kevroyal76's Response to RobbedMeBlind's Review

Written on: 26/02/2015

Had the same problem with a Vauxhall Astra from them - complete sharks - AVOID!

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“The worst finance company”

Written on: 11/01/2015 by BradenRogers (1 review written)

ACF finance company made to put people in debt. I really won't recommend no one to used this company. I took out a car that cost 10,000. And it came up to 21,000. I ask to return the car because I can not afford it and I was told no they won't accept it. Also if they repossessed the car I will still have to pay the cost. What kind of company is that? For the people who reading this comment, please don't use ACF if you looking to get a car on finance. Do your research people do you researx… Read Full Review

Kevroyal76's Comment

Written on: 26/02/2015

Completely agree - we have been well and truly shafted by them - and a dodgy car to boot which we have been informed is going to cost us £1000 to repair on top of the inflated £280 per month we have to pay!

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“Outstanding customer service”

Written on: 16/07/2014 by McKennawp8 (1 review written)

I have had problems with credit in the past, ACF car finance were excellent. They did not judge. They provided all the information required to ensure that I felt comfortable. The information provided was very concise and easy to understand, the staff from Hemel Hempstead and customer service over the phone were very helpful and polite. Based on your the wages you receive they tailor made the finance and do not pressure sell, the only show you cars that are within your budget. They also advise… Read Full Review

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“I have now had my car over 6 weeks from acf and at the...”

Written on: 15/07/2014 by sofasub (1 review written)

I have now had my car over 6 weeks from acf and at the point Of sale I informed the salesman that the tracking was out. I was assured that this would be dealt with in the 136 point check. Having now driving my car on long journeys I have found this wasn't the case and have run the after sales team. They have told me that because I didn't report this earlier unless the salesman confirms I reported this they cannot do anything. I have nothing but trouble with this company since walking through… Read Full Review

Wazzberger's Response to sofasub's Review

Written on: 06/08/2014

I notice thay havent come back with a reply, which is what they usually do on this site! Maybe its because they will have to acknowledge what is a morally objectionable business practice.

Cood lick in resolving this & mabe one day we will live in a country that isnt dominated by pirates and tricksters.

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Sofasub's reply to Wazzberger's Comment

Written on: 07/08/2014

It's cos acf car finance is no more. All branches have been shut so my complaint has been taken up with the funding corporation now!!

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Tinitine's reply to Sofasub's Comment

Written on: 30/01/2015

What feedback have you received on this as I am enquiring about my finance agreement with the company myself.

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Kevroyal76's reply to Sofasub's Comment

Written on: 26/02/2015

Good luck with the Funding corporation - just as bad in my experience!

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“Very pleased indeed ”

Written on: 11/07/2014 by gosiaob44 (1 review written)

I am actually very pleased with the service I received from the ACF company, they worked very hard to find the right car for me and I absolutely love it !! I understand what some customers are saying about the finances and the high interest rates, but I'd been refused credit in so many places that I was very happy to go ahead with the purchase. I know it's not ideal but it's good to know that there are finance companies out there that will help you even if others are not willing! I really… Read Full Review

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“Close Encounter - AVOIDED, Thank God!”

Written on: 15/04/2014 by AidenJacobs (1 review written)

I have been called several time today by this company but I don't answer unless I know who they are, hence my eventual arrival here at this website. Looked at other reviews and their website, it seems these "LOANS" are "BILLS of SALE" - This is the same law used when someone takes out a "LOG BOOK LOAN", I will let you find out about them yourselves. I have read AFCs responses to some reviews and they usually distance themselves from the "FINANCE COMPANY" - I for one would like to know who the… Read Full Review

Acf Car Finance Limited's Comment

Written on: 20/05/2014

Dear Aiden Jacobs

Thank you for your comments regarding ACF Car Finance.

ACF Car Finance Limited works exclusively with The Funding Corporation (2) limited to obtain credit agreements for its customers who have experienced difficulty obtaining finance elsewhere. ACF Car Finance Limited and The Funding Corporation (2) Limited are part of the same group of companies and this relationship is never hidden from our customers or prospective customers. Customers may also purchase vehicles from the group without entering into a credit agreement.

Some of the vehicles supplied by ACF Car Finance Ltd and financed by The Funding Corporation (2) Ltd are secured by Bill of Sale. This is made clear to our customers and we require that they watch and understand a short video about what a Bill of Sale is and the risks that it may pose to the individual should they not maintain their repayments against the vehicle. Customers are also provided with a Bill of Sale Information Sheet prior to them signing any credit agreement in accordance with regulatory requirements.

The Funding Corporation (2) Limited is a responsible lender and completes detailed Income and Expenditure checks to ensure ongoing affordability of repayments for all customers throughout the lifetime of the credit agreement.

As a business we pride ourselves on the quality of our vehicles however we understand that our customers would like added piece of mind, so we have teamed up with the RAC to ensure our vehicles are up to standard. Our vehicles are RAC Approved meaning that they have been put through a rigorous 136 point safety and quality inspection and come with platinum cover warranty, roadside assistance as well as accident assist.

Kind regards
ACF Car Finance

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Written on: 18/03/2014 by paHolman170 (1 review written)

We went to ACF looking for our new car, as at that time we were having difficulty obtaining car finance, and desperately needed a car. The salesman was very pleasant and helpful, and we chose our car. When we completed the paperwork etc, we did question how high the APR was, and he told us that unfortunately we would not get finance anywhere else, but this would be a way to repair our credit files. He went on to tell us that after making our payments, on time, for 2 years, we would be able… Read Full Review

Acf Car Finance Limited's Comment

Written on: 01/04/2014

Dear paHolman170

Thank you for your comments regarding your experience with ACF Car Finance Ltd. We are sorry to hear that you may have received incorrect information during your purchase. Your experience is really important to us and we would be grateful if you could please contact our complaints department to discuss the issues raised in your review.

ACF Car Finance Limited is car dealership, credit broker and intermediary. We work with a panel of lenders to arrange finance for customers who have found it difficult to obtain finance elsewhere. ACF Car Finance Limited does not provide or administer the loans and the loan terms can be obtained from the lender on request.

Yours Sincerely

ACF Car Finance Ltd

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“Must think I'm a mug”

Written on: 29/01/2014 by Mug_alert (1 review written)

I would strongly recommend that no one uses this company they are Legalised loan sharks even if you have not got any other option Don't let them take advantage of your financial situation the way they operate is unique it is Designed to rip you off legally. I went to there branch at normanton and after 3 hrs of paper work and talking To someone on the phone who I think was upstairs I finally got to see a car and test drove it The car was lovely but I'm not a mechanic so that's not to say it… Read Full Review

Acf Car Finance Limited's Response to Mug_alert's Review

Written on: 10/02/2014

Dear Mug alert,

Thank you for your comments in relation to your recent visit to one of our dealerships.

We are sorry that you were not satisfied with the service offered and take this seriously as we have a high customer satisfaction rate of 97%, based upon surveys completed during October 2013 to December 2013. We are concerned regarding you comments about irresponsible lending and would like to speak to you directly about this so we can investigate further.

As a car dealer and credit broker, ACF works with a panel of specialist lenders to arrange finance for customers with a less than perfect credit history. Each lender operates according to its own risk based pricing and lending criteria. Each lender therefore bases the loan amount, repayments and APR on the individual circumstances of the customer in accordance with their individual lending policies. Depending on the lender, their approval process may include the requirement for the customer to complete an Affordability Assessment. These assessments take place over the telephone whilst the customer is at our dealership and are undertaken by the lender from their place of business.

Additonally, some lenders are able to offer facilities to allow a customer to make overpayments or additional payments to their account at no extra cost. This would reduce the total amount payable and shorten the term of the agreement. Terms and conditions will vary according to the lender. ACF Car Finance Limited is not a lender and therefore cannot influence either the APR, total cost of credit or repayment schedules.

As a used car dealer we are proud of the service that we offer our customers and for additional peace of mind, all of our vehicles come with RAC BuySure which includes:
o A vehicle that has been put through a 136 point quality and safety inspection in accordance with the RAC Approved Preparation Standard

o A comprehensive 6 month RAC Warranty with a Platinum cover level

o 3 months RAC Roadside and Recovery, including At Home and Onward Travel

o 3 months RAC Accident Assist

If you would like to speak to us about the service you received or your experience with ACF Car Finance so that we can investigate further, please contact us.

Kind Regards,

ACF Car Finance

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“new car”

Written on: 04/12/2013 by alanwheatley (1 review written)

Well done acf and steve b hemel Hempstead branch. Very pleased with my purchase very polite and very welcomeing many thanks… Read Full Review

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“very pleased with service ”

Written on: 26/08/2013 by gina59 (1 review written)

I had very good service from start to finish i'd tried various web sites for car finance and came across this one to which the staff were very helpful and helped me to get the right deal and i'm more than happy with the out come i would definitely recommend to family and friends as i think you get your monies worth and even the after care is second to none… Read Full Review

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“Drive Away Same Day!!!”

Written on: 14/08/2013 by betts155 (2 reviews written)

I came to this Car Finance company, due to me being unable to even get a Mobile Phone on Credit!! I thought I still had absolutely no chance of getting a new car though! But I was wrong!! I got there at about 10:30am, in my crappy 13 year old Ford Mondeo Banger, and ended up Driving away in a 3 year old Peugeot 207 Verve, by 3:30!!!! The process is simple, you go through a few checks on the phone, fill out a bit of paperwork, then start Test driving. I ended up Test driving 3 cars before I… Read Full Review

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“Acf car finance”

Written on: 12/08/2013 by woodsa007 (1 review written)

I recently bought a car through acf car finance and I must say was very impressed overall, from the phone calls to the meetings the customer service was very good. They were very helpfull with my needs explained everything I needed to know in great detail and were there to help me as much as possible. I will most certainly recommend them to friends and family or anyone looking to get a car who can't at most car dealerships, they can help anyone and they have a very good choice of cars to choose… Read Full Review

Kapami's Response to woodsa007's Review

Written on: 30/12/2013

This is the waste company the whole business is a corn. Three quarters of car from ACF have faults. I would not advise anyone to go put thereselves in worse finance situations of over paying for write off cars. Any car which is three years
Old has £1 value. Please please never buy a car from this corn company.

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Glum43's reply to Kapami's Comment

Written on: 05/02/2015

That's sadly true. I have faithfully paid for a year (never missed a payment) to discover that the car has a turbocharger about to go. I'm a single mum and heavily rely on my vehicle to get to work and ferry the children from school activities etch. I'm Stuck so stuck with still 3 years to go!

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“over priced!”

Written on: 10/08/2013

Went to Maidstone to pick a car and had to fill out all paper work before seeking the cars. There was only about 25 cars to choose from that all have a extra 1000 pounds screen price than you would pay from a main delers.when we was picking a car there was louds of people picking at the same timeso you fell rushed into picking with not many cars being there. We picked a focus in the end and got a small test drive were I noticed a poorly repaired wing but the salesmen would not knock anything… Read Full Review

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“Thank ACF CAR”

Written on: 22/07/2013 by Beutty (1 review written)

After a telephone credit approval we visited the ACF car in Willenhall. We would like to thank him for his highly professional approach to the client. Everything explained to us at the professional level. Throughout the negotiations was very kind and helpful… Read Full Review

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Written on: 19/07/2013 by CLAIRACOO (1 review written)

I stupidly (without taking advice from family members) took out finance on a vehicle. I paid a hefty deposit and agreed the monthly costs (although they were over the agreed budget)at this point deposit had been given so i had to agree to it. There was no tax / fuel in the car so i ended up forking out an additional £113 for 6 months tax. Within 2 months the vehicle had problems and a new clutch & gear box was required (i had taken out cover for this so thankfully it didnt come out of my… Read Full Review

By Acf Car Finance Limited

Written on: 26/07/2013

Dear Clairacoo

I am sorry to hear you have been dissatisfied with the service you received when purchasing a vehicle from us. Through our carefully designed sales processes, we will always try to ensure that we offer our customers a choice of vehicles with monthly re payments that are within the customer’s budget.

With regard to the payments and repossession of the vehicle I confirm we are unable to comment on this as we are not the finance provider and do not administer your loan. If you have any concerns regarding the way the account has been handled you will need to discuss this with them directly.

If you do wish to discuss any of the points you have raised further please contact us.

Yours sincerely

ACF Car Finance

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Written on: 08/07/2013 by mattieh87 (1 review written)

I read this review site before purchasing a car off acf, decided to not listen to bad reviews and go for it..... what a mistake, didn't find out the car had no tax until I handed over deposit and signed all the paper work, very sneaky!!! should of threw the key at the salesman there and then. since buying the car its been to get repaired 5 times with new problems, only covered 3000 miles since ive brought it, as for the quality used car slogan what a load of rubbish so far the car has cost mre… Read Full Review

Acf Car Finance Limited's Response to mattieh87's Review

Written on: 16/07/2013


We are sorry to hear you have been dissatisfied with your vehicle purchase. As a company we pride ourselves on offering quality used vehicles. As with all used vehicles, on occasion, problems can occur. Where this does happen, and where we are liable for covering the repair, we have a dedicated Aftersales Team who will assist you.

However, if you are unhappy with the service you have received at any point, or if you have any other points you want to raise, you may wish to speak to our Complaints Team.


ACF Car Finance

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Mattieh86's reply to Acf Car Finance Limited's Comment

Written on: 16/07/2013

yes and that goy me nowhere, I reported a knocking noise from my engine a week after purchase after the garage you sent me toofailed to spot it 3 times I was the one who actually pointed it out, the garage then said it was the cambelt at which point acf pointed out because I had now done 6000 miles I the car that it was my fault

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Nothavingit's reply to Mattieh86's Comment

Written on: 17/01/2014

I have an appointment today at 5pm to view a car which means driving over from Nottingham to Birmingham, after reading all the posts and learning how much your likely to repay its making me have second thoughts , now deliberating whether to just save up each month and buy a second hand run around

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Doesntmatterwhoiam's reply to Nothavingit's Comment

Written on: 15/10/2014

i too was due to drive from nottingham to look at some cars but all the negative feedback and continued reports of faults from so many people in different parts of the country made alarm bells ring so if alarm bells are ringing and im having doubts about paying 3 times what the car is worth and theres a history attached to this company with cars having faults i will say no thanks and will just save the money each month - i accept like any cars they can have faults . but there appears to be to many customers writing in with the same negative feedback so ill pass on this occasion

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“Really pleased with the service received. Both...”

Written on: 06/07/2013

Really pleased with the service received. Both advisers were very helpful and pleasant. It was a friendly and relaxed service which we will use this company again … Read Full Review

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“excellent can fault them”

Written on: 02/06/2013

I have bad credit history but they helped me.the sales Exec in West midlands gave me excellent customer service. Recommend Mo and ACF… Read Full Review

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“What a waste of TIME ”

Written on: 27/05/2013 by solidsheep (1 review written)

went to the Manchester branch today as arrange for appointment when I got there didn't like the look of the place but though id see what it was like since I had travelled by train from Blackpool must have been less than a hour firstly didn't like some of the terms second they only offered two cars which weren't not acceptable so kind of pointless asking me what I was after before I booked my appointment and was told they had the cars in stock only to find the ones we wanted were at the… Read Full Review

Brythonicman's Response to solidsheep's Review

Written on: 29/05/2013

Went to ACF near Leeds, they asked lots of questions but no cars on display. After completing the application form, they said I had passed their criteria for a car loan. I was then taken into this enclosed building with only six cars available. The APR was on the high side, which I expected, but the capital cost of the cars was crazy.

I've seen a few garages asking high prices for their cars, but these guys took the biscuit. Not only were they high prices, but there was not one car that appealed to me even if the price was competitive.

These guys don't seem to understand that people who have bad credit ratings have often been through the mill and are therefore pretty street wise. No way would I recommend these chancers in a million years.

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Davidpawleyblackpool's Response to solidsheep's Review

Written on: 01/06/2013

hi i had exactly same problem went to manchester branch on wednesday 29th may by train from blackpool 2013 met at station by [name removed] i think his name was.....
firstly far to pushy and took my documents upstairs not to be seen again for an hour whilst i spoke to some random person on phone to arrange finance which they told me was sorted the day before.
then i get told i have bad credit by this women yes i know that thats why im here.
loan aggreed i said i do not want to pay anymore than 200 a month well and behold the ammount they wanted for a poxy volkswagen golf 237.62 a month. The car worth 2500 total repayments would of been 14.000 what a a joke.
he said i could drop the the repaymants by a £10 i just said give my my things im out of here..
left and returned home seen a car near my street vauxhall corsa yea its 13 year old its reliable and at least i own it.

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