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Car Finance & Buying Guides

Can You Refinance Car Finance?
18 August 2026
Car Finance & Buying Guides

Can You Refinance Car Finance?

If you already have a vehicle on finance, you might assume you have to remain with the same…
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Riccardo Leighton trading as Ultra Vita. Riccardo Leighton is an agent of DSG Financial Services Ltd. We can introduce you to a limited number of lenders and their finance products. We are not an independent financial advisor; we will provide details of products available, but no advice or recommendation will be made. You must decide whether the finance product is right for you. We do not charge you a fee for our services. Whichever lender we introduce you to, we will typically receive commission from them (either a fixed fee or a fixed percentage of the amount you borrow). The commission arrangements we have in place vary, depending on how you are introduced to us and with which lender we are able to place you with. When you are introduced to us by a motor retailer, we may be paid a flat fee, regardless of the interest rate you pay, finance product, length of agreement, or amount of finance. We may also be paid a fixed rate of commission, calculated as a percentage of the amount of finance.

We will always introduce you to the most suitable finance lender offering you the most appropriate finance product for your needs, and at the best interest rate possible (which is determined by the finance lender) based on the commission we are paid and by your credit profile. The amount of commission we receive and pay, and your credit profile, will impact the amounts you pay under your credit agreement. In both cases, we will pass a proportion of the commission paid to us to the motor retailer that introduced you to us. We may also be paid, and pay the motor retailer, higher commission depending on the type and age of vehicle or based on the finance product you are provided with. In these cases, commission levels vary based on the levels of work required to be undertaken by us and the motor retailer. Whilst we may receive higher levels of commission based on the finance product you are provided with, this is always based on the level of work required in relation to the particular product and we will not seek to secure finance products that are not suitable for your needs.

We may select a lender which is part of our group (Unity Auto Finance Ltd). We will only ever select this particular lender from the panel available to us if it is in your interests and is the most appropriate lender for your particular needs.

If you would like to know how we handle complaints, please ask for a copy of our complaints handling procedure, or click here. For our Privacy Policy click here. You can also find information about referring a complaint to the Financial Ombudsman Service (FOS) at www.financial-ombudsman.org.uk. For free and impartial money advice, contact the Money Advice Service. DSG Financial Services Ltd is authorised and regulated by the Financial Conduct Authority (Firm reference number – 649675). DSG Financial Services Ltd is a company registered in England & Wales with a company number 02313903. Our VAT registration number is 322 3523 42. All Rights Reserved. We are a credit broker and not a lender.

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