Welcome to our website. If you continue to browse and use this website you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern Paynes Garages Ltd's relationship with you in relation to this website.

The term Paynes Garages Ltd or "us" or "we" refers to the owner of the website whose registered office is Watling Street, Hinckley, Leicestershire. LE10 3ED. Our company registration number is 442329. The term "you" refers to the user or viewer of our website.

The use of this website is subject to the following terms of use:

  • The content of the pages of this website is for your general information and use only. It is subject to change without notice.
  • Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. It must be understood that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.
  • Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.
  • This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.
  • All trademarks reproduced in this website, which are not the property of, or licensed to the operator, are acknowledged on the website.
  • Unauthorised use of this website may give to a claim for damages and/or be a criminal offence.
  • From time to time this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s).
  • You may not create a link to this website from another website or document without Paynes Garages Ltd's prior written consent.
  • Your use of this website and any dispute arising out of such use of the website is subject to the laws of England and Wales.

Phone Calls

Please note that calls to Paynes Garages Ltd may be monitored or recorded

Terms & Conditions Relating to the Supply of Goods

Any product supplied to a customer will remain the property of Paynes Garages Ltd until cleared funds have been received in full.

General Terms and Conditions.

Please note you will not own the vehicle outright until all payments are made.

If you default on your finance payments, then the vehicle may be repossessed by the finance provider.

You must be 18 years or older to apply for finance.

Finance is not guaranteed, and any finance application is subject to a credit check and individual circumstances.

If you require any further information please do not hesitate to contact us.

The finance provider will have their own Terms and Conditions, please contact them directly for further information.

TERMS & CONDITIONS FOR USED VEHICLE 14 DAY MONEY-BACK GUARANTEE

Applies to all used, ex-demonstrator and pre-registered cars and commercial vehicles . Applies to retail customers only and excludes business/fleet customers. Customers can return the vehicle to Paynes Garages Ltd. within 14 days from delivery/collection and receive a full refund (and cancellation of any finance arranged through us) provided that it is returned in the same condition with all keys, manuals etc and with no more than 500 miles usage. The customer will be responsible for arranging return of the vehicle purchased to Paynes Garages Ltd and for any costs of doing so. If the V5 has not yet been received by the customer and cannot be returned with the car, a sum of £250 shall be retained from the refund until such time as the original V5 is provided, or the dealership is able to submit the registered keeper change online. Any part-exchange vehicles will be paid at the agreed valuation unless a return of the part-exchange vehicle is agreed. Any return of the part-exchange vehicle would be without any liability for the condition of the part-exchange.
© 2026 Paynes Garages

Watling Street, Hinckley, United Kingdom, LE10 3ED

Reg. Office: Watling Street, Hinckley, Leicestershire, LE10 3ED

Reg. Company Number: 442329. VAT Reg. No. GB424516665.

Automotive website provided by Bluesky Interactive Ltd
Financial Conduct Authority

Paynes Garages Ltd. is an Appointed Representative of Automotive Compliance Ltd who is authorised and regulated by the Financial Conduct Authority (FCA No. 497010). Automotive Compliance Ltd’s permissions as a Principal Firm allows Paynes Garages Ltd. to act as a credit broker, not a lender, for the introduction to a limited number of lenders, and to act as an agent on behalf of the insurer for insurance distribution activities only.

We are a credit broker and not a lender. We can introduce you to a carefully selected panel of lenders, which includes manufacturer lenders linked directly to the franchises that we represent. We act on behalf of the lender for this introduction and not as your agent. We are not impartial, and we are not an independent financial advisor.

Our approach is to introduce you first to the manufacturer lender linked directly to the particular franchise you are purchasing your vehicle from, who are usually able to offer the best available package for you, taking into account both interest rates and other contributions. If they are unable to make you an offer of finance, we then seek to introduce you to whichever of the other lenders on our panel is able to make the next most suitable offer of finance for you. Our aim is to secure a suitable finance agreement for you that enables you to achieve your financial objectives. If you purchase a vehicle, in the majority of cases, we will receive a commission from your lender for introducing you to them which is either a fixed fee, or a fixed percentage of the amount that you borrow. This may be linked to the vehicle model you purchase.

Different lenders pay different commissions for such introductions, and manufacturer lenders linked directly to the franchises that we represent may also provide preferential rates to us for the funding of our vehicle stock and also provide financial support for our training and marketing. But any such amounts they and other lenders pay us will not affect the amounts you pay under your finance agreement; however, you will be contributing towards the commission paid to us with the interest collected on your repayments. Before we propose you to a potential lender, we will inform you of the likely amount of commission we will receive and seek your consent to receive this commission. The exact amount of commission that we will receive will be confirmed prior to you signing your finance agreement.

All finance applications are subject to status, terms and conditions apply, UK residents only, 18s or over. Guarantees may be required.