Big Motoring World Finance vs. Cinch Auto Finance – Which One Wins?
World Finance vs Cinch Auto Finance
When it comes to financing your next vehicle purchase in the US, two names frequently surface—Big Motoring World Finance and Cinch Auto Finance. Though they share the goal of helping you get behind the wheel, their approaches, services, and reputation vary significantly. In this deep-dive, we’ll explore both in a conversational, easy-to-understand tone—100% unique, SEO-focused, and aimed at giving you the confidence to choose the right path. Let’s begin!
Table of Contents
- What Sets Big Motoring World Finance Apart
- Who Is Cinch Auto Finance—and What Do They Do?
- Financing Options: PCP vs HP
- Convenience & Accessibility
- Price Transparency & Fees
- Under-the-Bonnet: Quality Assurances
- Customer Experiences: The Good and the Ugly
- Warranties & Aftercare
- Trust & Reputation Score
- Final Verdict
** Conclusion**
1. What Sets Big Motoring World Finance Apart
Big Motoring World (BMW) is among the UK’s largest independent used car dealers. They boast thousands of used vehicles across multiple branches, each undergoing a 200-point inspection and accompanied by at least a 90-day warranty bigmotoringworld.co.ukCarExamer. Admin fees are standard—around £300, or £150 for repeat buyers—while trade or export customers may face £650 bigmotoringworld.co.uk. Financing is facilitated via hire purchase (HP) or PCP options, but they operate purely as a credit broker, not a lender, and receive commission from lenders bigmotoringworld.co.uk.
2. Who Is Cinch Auto Finance—and What Do They Do?
Cinch Auto Finance is a US-based auto-lending company, originally known as Credit Union Loan Source, operating since 2005. They’ve originated over $10 billion in auto loans, partnering with more than 1,800 dealers across 31 states Cinch Auto Finance. Cinch specializes in auto loans exclusively, aiming for efficiency and online account management—payments, statements, payoffs, all conveniently handled via “My Account” Cinch Auto Finance.
3. Financing Options: PCP vs HP
With Big Motoring World, you get access to both HP—where full ownership is the end goal—and PCP, which lowers monthly costs but may include excess mileage fees and balloon payments bigmotoringworld.co.uk. Cinch, by contrast, does not sell cars—they provide financing behind the scenes. Dealers typically offer structured loans that align with HP or PCP terms, but specifics depend on the dealership’s offerings with Cinch as the lender.
4. Convenience & Accessibility
Big Motoring World offers a physical experience: test drives, face-to-face interactions, and same-day drive-away service if finance is set up early in the day bigmotoringworld.co.uk. Cinch Auto Finance, in contrast, focuses on online account management and speeding up lender approval. However, they are a behind-the-scenes finance provider—you’ll interact with the dealership.
5. Price Transparency & Fees
At Big Motoring World, the admin fee is a fixed cost, clearly stated, though transparency concerns arise over add-ons in some reviews bigmotoringworld.co.ukReviews.io. Financing APRs typically run around 11.9% (“representative APR”) with fixed interest around 11.2% bigmotoringworld.co.uk. Cinch’s lending pricing isn’t publically visible—APR and terms vary per dealer agreement, may be competitive, but require direct inquiry at each dealership.
6. Under-the-Bonnet: Quality Assurances
Big Motoring World leans heavily on that 200-point inspection and 90-day warranty promise bigmotoringworld.co.uk. Cinch, by design, doesn’t inspect or warranty cars—those responsibilities fall on the dealer. They focus purely on the financing mechanism, not vehicle quality.
7. Customer Experiences: The Good and the Ugly
Big Motoring World receives mixed reviews:
- Some customers praise staff professionalism and efficient process RedditTrustpilot.
- Others recount pressing experiences: add-on hard-sells, post-sale warranty denials, unresolved faults, and allegedly manipulated reviews Reviews.io.
From Reddit:
“Probably better than an unknown local dealer; as a big company they are less likely to scam you outright” Reddit.
But also:
“Lies and deceit… filthy inside… dents, scratches… wasted time and money” Reviews.io.
Cinch Auto Finance gets praise for facilitating quick financing and easy account management, but complaints surface on BBB, including issues like unexplained overcharge in financed amount and delayed car title release Better Business Bureau+1. One user said:
“Cinch stinks… it says I borrowed over $14,000 but I only borrowed $10,000” Better Business Bureau.
And another:
“They have inexplicably held on to the title for six years” Better Business Bureau.
8. Warranties & Aftercare
Big Motoring World offers at least 90-day warranty plus optional extended warranties (1–3 years), roadside assistance, and a variety of aftercare packages (GardX, Shine Protect, tyre alloy protect) bigmotoringworld.co.uk. Cinch doesn’t provide cars or aftercare; these services depend entirely on the dealership.
9. Trust & Reputation Score
Big Motoring World:
- Trustpilot: ~4.3/5 from 53K reviews, generally positive recent feedback Trustpilot.
- Reviews.io: 2.7/5 based on 421 reviews, with numerous serious customer complaints Reviews.io.
Cinch Auto Finance:
- BBB: Mixed. Some serious issues about transparency, contract clarity, title delays, though Cinch responds publicly Better Business Bureau+1.
- No UK consumer review footprint, as they serve US market behind the scenes.
10. Final Verdict
| Category | Big Motoring World Finance | Cinch Auto Finance |
| Ownership & Dealer Experience | You buy, test drive, and insure through them; includes warranties | You get vehicle from dealer; Cinch handles only financing |
| Transparency | Admin fees clear; commission-based financing may introduce bias | Financing terms delegated to dealer; less visible upfront |
| Support & Quality Control | 200-point inspection, warranty, post-sale services available | No vehicle support; customer must rely on dealer’s integrity |
| Reputation | Strong volume of positive reviews, but non-trivial negative complaints | Mixed reputation via BBB; fewer consumer-facing issues in UK |
| Best For | Buyers seeking one-stop car + finance + aftercare experience | Dealers or buyers needing fast loan origination from a valid lender |
Conclusion
If you want a one-stop buying experience with inspection, record of quality, and post-sale support, Big Motoring World offers convenience and coverage—but be aware of reports about upselling and service inconsistencies. Meanwhile, Cinch Auto Finance is purely a behind-the-scenes lender: you won’t get the car directly from them; instead, they power dealer loans—great for quick financing, but hidden inside the dealer process, with limited consumer visibility and control.
So which one wins? It depends on your priorities:
- Choose Big Motoring World Finance if you value transparency in the buying process, physical access to the car, and after-sales support.
- Choose Cinch Auto Finance (through an affiliated dealer) if you’re looking for streamlined lender options without caring about brand coverage or direct interaction.
In a nutshell: Big Motoring World delivers a full vehicle-plus-finance package—with some trade-offs in service consistency. Cinch is strictly about the loan, meaning your buying experience hinges entirely on your dealership. Choose wisely—and drive safe!
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