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A human approach to car finance

Car Finance Made Simple

Easy Car Finance

LM Operations is the motor finance provider for car dealerships, brokers and manufacturers. We pride ourselves on providing exceptional service to introducers and customers.

Apply for car finance and receive a decision the same day!

Clear, simple and transparent – applying for car finance has never been easier.

We’re a lender, not a broker, and so you won’t need to deal with any middlemen.

How It Works

Step One

Apply Today

Firstly, use our finance calculator to see how much you could borrow. In addition, visit our application page for a no-obligation offer.

Step Two


Once you’ve applied, our team will get to work on your application. Moreover, we will be in touch with a decision on the same day.

Step Two

Purchase Your Dream Car

That’s it! Once you’ve signed your finance agreement, you’re ready to order your dream car.

Finance Calculator

Find out how much you can borrow. This is for illustration purposes only.

10000 Months

Best Available Rate %

Our Finance Offering

What is Hire Purchase?

Hire purchase is a way to finance buying a new or used car. You (usually) pay a deposit and pay off the value of the vehicle in monthly instalments, with the loan secured against the car. Under the Hire purchase agreement, you do not own the vehicle (vehicle) until you have paid all the outstanding amount, including the option to purchase fee.

How does HP work?

Hire purchase agreements usually include an initial deposit and monthly payments for a fixed period – usually up to 5 years – until you become the car’s legal owner. Furthermore, the minimum term is 24 months, and the maximum is 60 months. A more significant deposit equals lower monthly payments, and you have the option to make one-off larger payments to contribute to the loan.

A white car in a showroom with black wheels and dark grey rims, with a lit ceiling in the background and the camera taken from eye level with the front right tyre looking back along the car.

Why Choose Car Finance?

Car finance allows you to split the cost of your repayments into monthly instalments that perfectly fit your budget. This allows you to get behind the wheel faster.

LM Operations is a lender and not a broker, meaning you don’t have to go through a middleman to find out if you’ll be accepted. When you apply for car finance with us, we’ll process your application, and you’ll receive a decision the same day!

Job Opening

Two business professionals shaking hands whilst another person watches on.

Sales Support Co-ordinator

Brief Role Description

Sales support is the ‘first base’’ contact and communication hub for LM Operations
introducers and customers. Click the button below to learn more about the role and potentially apply to join our fantastic team!


News & Updates

Careers in Irish car finance: a case study

Careers in Irish car finance: a case study

National Careers Week is a time to celebrate the diverse and exciting opportunities available across the UK.In honour of this week, we sat down with Katie Yarnall, an underwriter at LM Operations, to learn about her experience at the company and her career journey. We...

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