Marsh Finance Limited is a UK motor finance lender authorised and regulated by the Financial Conduct Authority (FCA). Based in Rochdale, this long-established company has supported thousands of drivers through hire purchase agreements designed for used cars. Each agreement allows the customer to make fixed monthly payments and own the vehicle once the final balance is cleared.
The company is best known for its responsible lending approach. It uses soft credit checks to assess eligibility without affecting a customer’s credit score. And when needed, its Collections Department helps customers manage arrears or arrange alternative payment plans.
Why We Partner with Marsh Finance
At Carplus, we work with Marsh Finance because their values align with ours — fairness, transparency, and flexibility. Their hire purchase model provides clear repayment terms and predictable costs, which is essential for our customers who want confidence in their car finance.
Marsh Finance offers same-day decisions on many applications, helping our clients move quickly from approval to driving away. Their customer portal also makes account management straightforward, giving borrowers full visibility over their finance agreement.
But what truly makes Marsh Finance a trusted partner is their commitment to responsible lending. They assess affordability carefully, giving each application personal attention instead of relying on rigid credit scoring alone.
Regulation and Responsibility
Marsh Finance operates under FCA authorisation number 312186, confirming their compliance with UK financial regulations. This oversight ensures that their agreements, charges, and complaint handling meet strict industry standards.
Should a customer ever raise a concern, Marsh Finance follows a clear complaints process. If an issue remains unresolved, it can be referred to the Financial Ombudsman Service — an independent body that protects consumers’ rights. This framework provides our clients with full reassurance that their agreement is handled fairly from start to finish.
And when the industry reviews historic practices, such as Discretionary Commission Arrangements, Marsh Finance cooperates with the regulator to ensure all outcomes are fair. Their open participation in redress schemes demonstrates accountability and transparency.
What Marsh Finance Offers for Our Clients
For Carplus clients, Marsh Finance provides accessible car finance solutions tailored to real circumstances. Their hire purchase agreements cover a wide range of used cars, and their processes support customers across different credit backgrounds — including those with previous defaults or arrears.
Here’s what Marsh Finance offers:
- Hire Purchase agreements with fixed monthly payments and vehicle ownership at the end of the term.
- Soft credit checks that assess eligibility without affecting the customer’s credit score.
- Quick decisions, often made the same day, helping clients move forward faster.
- Support for all credit backgrounds, including those with past arrears or defaults.
- Dedicated Collections Department to assist in setting up payment arrangements if circumstances change.
- Transparent pricing with clear terms and no hidden charges.
- Secure online portal allowing customers to view balances, make payments, and manage their accounts with ease.
This flexibility ensures that clients stay on track, protect their credit record, and enjoy a smooth car finance experience from start to finish.
Why Marsh Finance Stands Out for Carplus Clients
Marsh Finance stands out because of its balanced approach — fast decisions without compromising care. Their systems are modern, but their service remains personal. Every stage, from application to final payment, is handled with professionalism and fairness.
They are regulated, transparent, and actively engaged in improving industry practices. And when combined with Carplus’s tailored car finance service, our partnership ensures that every client benefits from a responsible lender and a supportive broker working together.
With Marsh Finance, our clients don’t just finance a car — they finance it with confidence.
