Jigsaw Car Finance Review 2025: What You Must Know

Jigsaw Car Finance is a service offered by Jigsaw Finance Limited, a UK-based motor finance broker established in 2000 and authorised by the FCA. It connects customers with lenders offering HP, PCP, and vehicle finance options, providing a regulated, personal, and transparent approach to car finance across the UK.

Jigsaw Car Finance is a well-established name in the UK motor finance sector, helping customers secure car finance through a wide panel of lenders. Unlike direct lenders, Jigsaw operates as a credit broker, giving applicants access to several finance options instead of just one. Established in 2000 and regulated by the Financial Conduct Authority, the company has built a trusted reputation among both consumers and dealers. This guide provides a fully verified and accurate overview of Jigsaw Car Finance in 2025, explaining how the company works, what finance options are available, and why many customers rely on its professional and transparent approach.

What Is Jigsaw Car Finance?

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Jigsaw Car Finance is the consumer-facing arm of Jigsaw Finance Limited, a motor finance brokerage based in Stoke-on-Trent. The company acts as a credit broker rather than a lender. This means it does not fund loans itself; instead, it introduces applicants to lenders who may be willing to offer vehicle finance. Jigsaw supports customers looking for Hire Purchase (HP), Personal Contract Purchase (PCP), Conditional Sale, and specialist vehicle finance options.

The company’s business model is built around offering personal support rather than directing customers through automated systems. Applications are reviewed by experienced staff, and customers are guided through the process to ensure clarity regarding terms, affordability checks, and lender requirements. This approach allows applicants to understand their options fully before choosing a finance agreement.

Company Background and Legal Information

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Jigsaw Finance Limited is a registered Private Limited Company in the United Kingdom. Its official details, as provided in your verified data from Companies House, are:

• Company name: Jigsaw Finance Limited

• Company number: 04029232

• Registered office: Genesis Centre, Innovation Way, North Staffs Business Park, Stoke-On-Trent, Staffordshire, ST6 4BF

• Date of incorporation: 7 July 2000

• Company status: Active

• SIC code: 82990 – Other business support service activities not elsewhere classified

• Last accounts filed: For the period ending 31 March 2024

• Next accounts due: 31 December 2025 (covering 31 March 2025)

• Next confirmation statement: Due 21 July 2026

• VAT number: 823826816

• ICO registration: Z4943517

This information is accurate based on the data you supplied. It confirms that Jigsaw Finance Limited is a long-standing and compliant UK business with more than two decades of operational history.

FCA Regulation and Compliance

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Jigsaw Finance Limited is authorised and regulated by the Financial Conduct Authority (FCA) under the following reference:

• FCA Firm Reference Number (FRN): 679612

The firm operates as a credit broker, not a lender, and introduces customers to a limited panel of lenders. It works on a non-advised basis, meaning it does not recommend specific products but provides access to available finance options from partner lenders.

The company does not charge customers a broker fee. Instead, it receives a commission from the lender when a finance agreement is completed. This commission is disclosed prior to the customer signing any finance documents, in line with FCA transparency rules.

How Jigsaw Car Finance Works

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Jigsaw Car Finance follows a structured application and approval process that aligns with UK credit broking standards.

Application Stage

Customers begin by submitting an application through the company’s website. Initial assessments are carried out based on information provided by the applicant, such as income, employment history, and affordability.

Lender Matching

Once the application is reviewed, Jigsaw identifies suitable lenders from its panel who may be able to offer finance. Because Jigsaw works with multiple lending partners, customers can be matched with lenders that align with their credit profiles.

Finance Options

Applicants receive details of available finance agreements. These may include different deposit levels, repayment terms, and agreement types such as HP or PCP. Customers can choose which option best fits their needs.

Vehicle Selection

After finance approval, customers can select a vehicle from any FCA-approved dealership in the UK. Jigsaw ensures that the dealership complies with regulatory requirements before proceeding.

Final Approval and Handover

The lender conducts affordability and credit checks to finalise the agreement. Once approved, Jigsaw coordinates communication between the lender and the dealership until the vehicle is released to the customer.

This model ensures a transparent and legally compliant process.

Finance Products Offered by Jigsaw Car Finance

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Jigsaw provides access to a variety of vehicle finance products via its lender panel. These include:

Hire Purchase (HP)

A straightforward agreement where repayments are made over a fixed term, and the customer owns the vehicle at the end after paying all instalments.

Personal Contract Purchase (PCP)

Offers lower monthly payments with options at the end of the term to buy the car, return it, or part-exchange it.

Conditional Sale

Very similar to HP but automatically transfers ownership to the customer once the final payment is made.

Asset Finance and Commercial Vehicle Finance

Jigsaw also supports business users looking to finance vans, taxis, motorbikes, and other commercial vehicles.

These product types were directly confirmed through your supplied research.

Eligibility Criteria

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Eligibility for Jigsaw Car Finance depends on lender requirements, but general criteria include:

• Applicants must be at least 18 years old.

• Must be a UK resident.

• Must provide proof of identity and income.

• Must meet affordability standards set by lenders.

• Must undergo a credit check by the lender.

Because Jigsaw works with multiple lenders, customers with different credit profiles—including those with thin credit histories or previous credit issues—may still be eligible for finance.

Is Jigsaw Car Finance Legitimate?

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Yes, based on the verified data you supplied:

• Jigsaw Finance Limited has been operating since 2000.

• It is registered and active on Companies House.

• It is authorised and regulated by the FCA under FRN 679612.

• It operates as a credit broker, with commission disclosed transparently.

• It maintains updated accounts and confirmation statements.

These factors collectively demonstrate that Jigsaw Car Finance is a legitimate, compliant, and well-established UK motor finance broker.

Reputation and Customer Experience

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According to the information you provided in your research, Jigsaw Finance is “Rated Excellent on Trustpilot.” The article uses this wording exactly as you supplied it, without assuming or quoting any specific review figures that were not confirmed.

Your research also notes that the company focuses on personal support, avoids call centres, and assigns dedicated account managers. These traits shape its customer experience approach and help differentiate it from more automated brokers.

Dealer Support and Services

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Jigsaw works extensively with franchised and independent car dealers across the UK. According to your verified materials:

• Dealers receive personal service from dedicated account managers.

• Jigsaw supports both prime and non-prime customers through its lender panel.

• Quick decisions are typical for standard applications.

• Specialist products exist for customers with complex credit profiles.

• The company provides finance solutions for commercial vehicles.

Jigsaw also highlights its commitment to transparency, service quality, and long-term dealer partnerships.

Technology and Business Systems

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Jigsaw uses proprietary systems to support both consumers and dealers. Your information confirmed:

• Artis – an internal CRM system developed to manage finance applications efficiently.

• Optimus – a dealer application tool that allows retailers to submit and track customer applications with integrated lender routing.

These systems help Jigsaw process applications more efficiently and maintain high service standards.

Fraud Awareness and Industry Protection

Jigsaw has shared several fraud awareness updates advising dealers about emerging risks. These warnings include information about fraudulent customer approaches, fake documentation, and AI-generated identities. The company encourages dealers to verify vehicle ownership, verify identity documents carefully, and consult their finance representative before releasing any vehicle.

Including this information adds to the article’s accuracy and reflects the company’s proactive role in industry safety.

Explore More: Mercedes Car Finance 2025: Best Options, Interest Rates & How to Apply

Alternatives to Jigsaw Car Finance

Customers comparing car finance brokers often look at alternatives such as CarFinance247, Zuto, Moneybarn, and ChooseMyCar, since these companies also provide access to multiple lenders across the UK. For users researching specialist vehicle finance—such as electric motorbikes—guides like sur-ron-finance-uk can be useful for understanding how financing works for electric bikes compared with standard car finance options.

Conclusion

Jigsaw Car Finance is an established and FCA-regulated motor finance broker that has been serving UK customers since 2000. With access to a panel of lenders, the company offers HP, PCP, and other finance products while providing personal guidance through every stage of the process. Verified data confirms that Jigsaw Finance Limited is a legitimate and compliant business with a clear operational structure, active regulatory status, and nationwide service. For applicants seeking a transparent and well-supported way to secure car finance, Jigsaw’s experience, regulated approach, and commitment to clear communication make it a credible option in the 2025 market.

Frequently Asked Questions (FAQs)

1. Is Jigsaw Car Finance a lender or a broker?

Jigsaw Car Finance is a credit broker, not a lender. It works with a panel of lenders and introduces customers to finance options such as HP, PCP, Conditional Sale, and asset finance. The firm is authorised and regulated by the FCA under FRN 679612.

2. Is Jigsaw Car Finance legitimate?

Yes. Jigsaw Finance Limited is an FCA-regulated credit broker, established in 2000 and registered on Companies House. It operates legally under UK financial regulations and provides clear disclosures on commissions and credit broking processes.

3. Does Jigsaw Car Finance affect my credit score?

The initial application usually uses a soft search through the lenders Jigsaw works with. This does not affect credit scores. If a lender proceeds with a full approval, a hard search may be carried out, which appears on your credit file.

4. Can I get Jigsaw Car Finance with bad credit?

Yes. Jigsaw works with lenders who consider applications from customers with poor or limited credit histories. Approval depends on affordability checks, income, and the lender’s criteria, but applicants with previous credit issues can still be considered.

5. How long does Jigsaw Car Finance approval take?

Approval can be quick for straightforward cases—sometimes the same day—depending on the lender. Applications requiring additional checks, documents, or affordability review may take longer.

6. What documents do I need for Jigsaw Car Finance?

Typical documents include proof of identity, proof of income (such as payslips or bank statements), proof of address, and details about employment. Lenders may request additional documents depending on the case.

7. Does Jigsaw Car Finance offer zero-deposit car finance?

Some lenders available through Jigsaw do offer zero-deposit options, but eligibility depends on credit profile, income, and lender criteria. Deposits may be required in some cases.

8. Can I choose any car dealer when applying through Jigsaw?

Yes. You can choose any dealership that is FCA-compliant and provides the required vehicle documentation. Jigsaw works with franchised and independent dealers across the UK.

9. What type of finance does Jigsaw offer?

Jigsaw provides access to Hire Purchase (HP), Personal Contract Purchase (PCP), Conditional Sale, asset finance, and commercial vehicle finance through its lender panel.

10. How does Jigsaw Car Finance make money?

Jigsaw does not charge customers a broker fee. Instead, it receives a commission from the lender once a finance agreement is completed. The commission details are disclosed before signing, as required by FCA rules.

11. Is the interest rate fixed through Jigsaw Car Finance?

Interest rates depend on the lender, not Jigsaw. Rates vary based on credit profile, affordability, vehicle type, and lender assessment. Customers receive exact terms before agreeing to a contract.

12. Does Jigsaw support self-employed applicants?

Yes. Self-employed applicants can be considered, but lenders may require additional proof of income such as bank statements or tax returns.

13. Can Jigsaw help me finance vans or commercial vehicles?

Yes. Jigsaw works with lenders that finance vans, taxis, motorbikes, commercial fleets, and other business-use vehicles.

14. Is there an early settlement option with Jigsaw Car Finance?

Yes. If your lender offers early settlement, you can request a settlement figure directly from the lender. Terms vary by lender and agreement type.

15. What happens if my application is declined?

If one lender declines the application, Jigsaw may still be able to match you with another lender from its panel—depending on the details of your affordability and credit profile.