Rate Comparison - October 2026
| Scenario | Lender | Representative APR | Typical term | Notes |
|---|---|---|---|---|
| New Renault - promotional | Renault Financial Services | 4.5–11% (0% promos available) | 2–5 years | Promotional rates available on Master, Trafic and Master E-Tech through Renault dealers |
| New Renault - standard | Renault Financial Services | 4.5–11% | 2–5 years | Standard dealer finance |
| New or used Renault | Broker (Close Brothers / Novuna) | 4.5–12% | 1–7 years | Multi-lender comparison |
| Used Renault or adverse credit | Broker (Aldermore / Haydock) | 5.5–16% | 1–7 years | Specialist underwriting |
When Renault Financial Services Wins
- New Renault Master or Trafic with a dealer promotional rate below 5%
- Master E-Tech with Renault Pro+ dealer EV package including warranty
- Buying through a Renault Pro+ dealer with bundled aftersales
Dealer finance promotional rates - particularly 0% or sub-4% offers - are subsidised by the manufacturer and cannot be replicated by independent lenders. If you are buying a new Renault Van and qualify for the promotional rate, Renault Financial Services will almost certainly be the cheapest option available.
When an Independent Broker Wins
- Used Renault vans - RFS rarely covers non-franchise stock
- Multi-brand fleet purchases
- Adverse credit applicants
- Businesses wanting to compare Renault against Ford or Mercedes pricing before committing
- Master E-Tech where OZEV grant interaction or LEVI charge-point funding applies
Outside of promotional windows, independent lenders frequently beat captive rates - particularly for used vehicles, multi-brand purchases or applicants with imperfect credit histories. A broker also gives you negotiating leverage: knowing the market rate lets you challenge the dealer on finance terms.
Our Verdict
Check the manufacturer promotional rate first. If it is genuinely 0% or sub-5% and you are buying new, take it. For everything else - used vehicles, adverse credit, multi-brand fleets or loan sizes below the promotional minimum - contact Doulton Bridging Finance and we will identify the most competitive independent lender within hours.