Advice and Support Understanding your options Every consumer is unique. That's why we go above and beyond to ensure you not only find the ideal vehicle for you but also enjoy the peace of mind that comes with choosing the right payment method to suit your situation

Financial Support & Payment Assistance

At RRG Group, we understand that life can take unexpected turns. Whether you are facing a temporary change in employment, health challenges, or general shifts in your household budget, navigating your vehicle finance payments during difficult times can feel stressful.

Our commitment to our drivers extends far beyond the showroom floor. If you are experiencing—or anticipate experiencing—financial difficulties that may affect your ability to maintain your monthly car finance or lease payments, we are here to support you with practical, compassionate guidance.

What to Do If You Are Struggling with Car Finance Payments

If your financial circumstances have changed, the most crucial step is to take action early. Ignoring a missed payment can impact your credit rating, but communicating your situation opens up proactive solutions.

1. Contact Your Finance Provider Directly

While RRG Group helps arrange your vehicle funding, your finance agreement is held directly with the lender (such as Toyota Financial Services, Kia Finance, or one of our other panel lenders). Every lender has a dedicated, specialist Financial Hardship Team trained to assist customers in your exact situation.

  • Tailored Solutions: Lenders can look at your specific case and potentially offer options like temporary payment deferrals, reduced payment plans, or contract restructuring to make your monthly outgoings manageable.
  • Where to find details: You can find your lender’s contact information directly on your monthly finance statement, your original agreement paperwork, or via their official website customer portal.

2. Reach Out to the RRG Group Team

If you are unsure who your finance provider is, or if you want to explore option variations—such as safely downsizing your vehicle to lower your monthly exposure—our onsite Transaction Managers across Greater Manchester, Lancashire, and West Yorkshire are ready to help clarify your options in total confidence.

Unbiased support throughout your finance journey and beyond​

Financial circumstances can change, but you can count on the organisations below to help you find a way forward

Free, Independent Financial Advice Resources

If you are dealing with wider debt or budget pressures, we highly recommend seeking free, confidential, and independent advice from qualified organizations. These services can help you assess your overall financial health and provide step-by-step guidance on managing living costs:

MoneyHelper Free impartial information and tools on how you can manage your money.
Strapline Expert advice and fee free debt management, helping you tackle your debts.
National Debtline Free help and advice on dealing with debt.
Government Support The Government site has advice and support.
Turn2us Helpful benefits calculator will help you understand what you may be entitled to.
Citizens Advice Free, confidential and impartial advice on money and debt, work, benefits, and more.

FAQs

What if I am struggling to pay?

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You might be able to get your payments reduced or paused. Contact the lender (the company who you applied for finance with) and they can confirm what support options are available to you. They should also give you the time needed to consider your options and enlist further guidance.

Who can I talk to if I need advice?

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The organisations linked above can help you if you need free and confidential advice with regards to managing your finances. Additionally, we can help direct you and help with any questions you may have.