Executive SummaryThis report provides an overview and analysis of the motor finance market in the UK and focuses on car purchases by private buyers. The report covers motor finance in the new and used car markets and also looks at the main types of finance available to car buyers, including personal loans, hire purchase (HP) and personal contract plans (PCPs). The main suppliers of motor finance in the UK include finance companies, vehicle manufacturers and subprime lenders.The motor industry in the UK has been seriously affected by the economic downturn, which has resulted in falling numbers of new car registrations and lower levels of used cars sales. This downturn has in turn affected demand for motor finance and resulted in difficult trading conditions for many of the leading suppliers of such financial services. Although used car sales volumes generally exceed new car registration numbers, the market for motor finance is far more heavily dependent on the new car market, with up to half of new car registration purchases being financed in this way. The European Consumer Credit Directive, which is to come into force on 1st February 2011, will affect all credit agreements and will have a significant impact on the activities of motor finance companies. For example, any advertising which includes information about finance will need to contain additional information. Lenders will also need to provide more comprehensive pre-contract information and they will be required to thoroughly check a consumer's creditworthiness before entering into an agreement. The Directive is aimed at strengthening existing legislation, such as the Consumer Credit Act.Exclusive primary research undertaken for this report into consumer attitudes towards motor finance indicated that a significant proportion of consumers expected that obtaining finance to purchase a car would remain difficult because of the credit crisis. The survey also found that a high percentage of consumers would defer buying a new car because of the current economic situation.Key Note forecasts that the value of new motor finance in the UK will remain under pressure in 2011, in line with the forecast falls in new car sales over the same year. Consumer concerns regarding the impact on jobs following the spending cuts outlined by the Coalition Government are also expected to have a detrimental impact on sales. In the longer-term, however, the anticipated economic recovery in the UK should boost consumer confidence and expenditure and contribute to an upturn in sales of motor vehicles and motor finance.

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Motor Finance Market Assessment
Published on January 2011
Report Summary
Executive Summary
This report provides an overview and analysis of the motor finance market in the UK and focuses on car purchases by private buyers.
The report covers motor finance in the new and used car markets and also looks at the main types of finance available to car buyers,
including personal loans, hire purchase (HP) and personal contract plans (PCPs). The main suppliers of motor finance in the UK
include finance companies, vehicle manufacturers and subprime lenders.
The motor industry in the UK has been seriously affected by the economic downturn, which has resulted in falling numbers of new car
registrations and lower levels of used cars sales. This downturn has in turn affected demand for motor finance and resulted in difficult
trading conditions for many of the leading suppliers of such financial services. Although used car sales volumes generally exceed new
car registration numbers, the market for motor finance is far more heavily dependent on the new car market, with up to half of new car
registration purchases being financed in this way.
The European Consumer Credit Directive, which is to come into force on 1st February 2011, will affect all credit agreements and will
have a significant impact on the activities of motor finance companies. For example, any advertising which includes information about
finance will need to contain additional information. Lenders will also need to provide more comprehensive pre-contract information
and they will be required to thoroughly check a consumer's creditworthiness before entering into an agreement. The Directive is
aimed at strengthening existing legislation, such as the Consumer Credit Act.
Exclusive primary research undertaken for this report into consumer attitudes towards motor finance indicated that a significant
proportion of consumers expected that obtaining finance to purchase a car would remain difficult because of the credit crisis. The
survey also found that a high percentage of consumers would defer buying a new car because of the current economic situation.
Key Note forecasts that the value of new motor finance in the UK will remain under pressure in 2011, in line with the forecast falls in
new car sales over the same year. Consumer concerns regarding the impact on jobs following the spending cuts outlined by the
Coalition Government are also expected to have a detrimental impact on sales. In the longer-term, however, the anticipated economic
recovery in the UK should boost consumer confidence and expenditure and contribute to an upturn in sales of motor vehicles and
motor finance.
Table of Content
Table of Contents
Foreword
Executive Summary
Introduction
BACKGROUND
ORIGINAL CONSUMER RESEARCH
Strategy Overview
MARKET DYNAMICS AND SEGMENTATION
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Economic Trends
New and Used Car Sales Trends
MARKET SIZE
DISTRIBUTION
Number of Car Dealerships
Cars Licensed by Region
Number of Financial Institutions
COMPETITIVE STRUCTURE
Finance Companies
Manufacturers
Subprime Lenders
Aggregators
ADVERTISING
THE CONSUMER
MARKET FORECASTS
New Cars
BACKGROUND
MARKET SIZE
New Car Registrations
MAJOR SUPPLIERS
Manufacturers
CONSUMER TRENDS
MARKETING ACTIVITY
ADVERTISING
By Car Manufacturer
By Car Dealer
DISTRIBUTION
Used Cars
BACKGROUND
MARKET SIZE
MAJOR SUPPLIERS
The Most Popular Models
Best Selling Used Cars
CONSUMER TRENDS
MARKETING ACTIVITY
ADVERTISING
DISTRIBUTION
Personal Loans
BACKGROUND
MARKET SIZE
MAJOR SUPPLIERS
CONSUMER TRENDS
MARKETING ACTIVITY
ADVERTISING
DISTRIBUTION
Hire Purchase
BACKGROUND
MARKET SIZE
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MAJOR SUPPLIERS
CONSUMER TRENDS
MARKETING ACTIVITY
ADVERTISING
DISTRIBUTION
Personal Contract Plans
BACKGROUND
MARKET SIZE
MAJOR SUPPLIERS
CONSUMER TRENDS
MARKETING ACTIVITY
ADVERTISING
DISTRIBUTION
An International Perspective
GLOBAL PRODUCTION OF MOTOR VEHICLES
The World's Leading Motor Manufacturers
MOTOR VEHICLES IN USE
Global Statistics for Cars in Use
THE US
US Car Loan Interest Rates
THE EUROPEAN MARKET
New Passenger Car Registrations and Cars in Use
THE JAPANESE MARKET
PEST Analysis
POLITICAL
The European Consumer Credit Directive
Car Dealers Advised to Adopt the European Consumer Credit Directive Requirements as Soon as Possible
Office of Fair Trading Guidelines on Responsible Lending
Action to Protect Used Car Buyers
ECONOMIC
Motor Finance Fraud
Finance and Leasing Association's Vehicle Recovery Scheme
Decline in New Car Sales Affecting Used Car Sales
Franchised Dealer Retailing Survey
SOCIAL
Complaints Over Used Car Purchases Continue to Rise
Personal Debt in the UK Continues to Rise
RAC Report on Motoring
TECHNOLOGICAL
Specialist Automotive Finance
The Plug-In Car Grant
Northridge Invests in Technology Ahead of EU Credit Rules
Surge in Online Car Sales Predicted
Consumer Dynamics
INTRODUCTION
SUMMARY OF SURVEY RESULTS
REPLACING NEXT CAR
I Expect to Replace My Car in the Next Months
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FINANCING NEXT CAR
The Next Time I Buy a Car, I Will Pay for It Outright in Cash
I Expect to Finance My Next Car Through a Loan From My Bank
I Expect to Finance My Next Car Through a Loan Arranged Via a Car Dealer
I Expect to Finance My Next Car Through a Car Manufacturer Direct
I Expect to Finance My Next Car Through My Credit Card
I Expect to Finance My Next Car Through Finance Arranged Online
OTHER ATTITUDES TOWARDS MOTOR FINANCE
I Expect That Obtaining Finance to Purchase a Car May Be Difficult Because of the Credit Crisis
I Will Defer Buying a New Car Until Later Because of the Recession
Company/Supplier Profiles
INTRODUCTION
ACF CAR FINANCE LTD
Corporate Strategy
Advertising
Distribution
Profitability
Future Company Developments
AUTOBYTEL UK LTD
Corporate Strategy
Advertising
Distribution
Profitability
Future Company Developments
BARCLAYS PLC
Corporate Strategy
Advertising
Distribution
Profitability
BLACK HORSE LTD
Corporate Strategy
Advertising
Distribution
Profitability
Future Company Developments
BMW FINANCIAL SERVICES (GB) LTD
Corporate Strategy
Advertising
Distribution
Profitability
Future Company Developments
FCE BANK PLC
Corporate Strategy
Advertising
Distribution
Profitability
Future Company Developments
GE CAPITAL WOODCHESTER LTD
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Corporate Strategy
Advertising
Distribution
Profitability
Future Company Developments
GMAC COMMERCIAL FINANCE LTD
Corporate Strategy
Advertising
Distribution
Profitability
Future Company Developments
HONDA FINANCE EUROPE PLC
Corporate Strategy
Advertising
Distribution
Profitability
Future Company Developments
RCI FINANCIAL SERVICES LTD
Corporate Strategy
Advertising
Distribution
Profitability
Future Company Developments
TOYOTA FINANCIAL SERVICES (UK) PLC
Corporate Strategy
Advertising
Distribution
Profitability
Future Company Developments
VOLKSWAGEN FINANCIAL SERVICES (UK) LTD
Corporate Strategy
Advertising
Distribution
Profitability
Future Company Developments
The Future
THE ECONOMY
Gross Domestic Product
Inflation
Unemployment
Population
New Car Registrations Forecast to Rise by
Used Car Sales Fall in the First Half of
Sainsbury's Finance Car Buying Index
FORECASTS TO
Further Sources
Associations
Publications
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General Sources
Government Publications
Other Sources
Key Note Sources
Key Note Ltd
Understanding TGI Data
Number, Profile, Penetration
Social Grade
Standard Region
Key Note Research
The Key Note Range of Reports
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