Car Finance Genie

What Car Finance Genie does

Car Finance Genie is a UK-based credit broker operating as a trading style of Reynolds & Stein Company Ltd, a privately held company incorporated in England and Wales (Company Number 11150103) in 2018 and headquartered in Billericay, Essex. The firm matches consumer and small-business applicants with a panel of more than fifteen UK vehicle finance lenders, including Close Brothers, Lendable, Moneybarn, Paragon Bank, Zopa, Tandem Bank, and others specialising in subprime and near-prime lending. Its primary segments are bad-credit car finance and no-deposit car finance, with additional offerings for first-time drivers, self-employed borrowers, students, benefits recipients, black-box insurance arrangements, and business vehicle finance.

The platform is built on the AutoConvert CRM provided by Blue Owl Network Ltd, which integrates with Equifax and Experian to perform soft-search credit footprinting during the initial eligibility check and to route applicants to lenders most likely to accept them based on encoded acceptance criteria. The firm holds FCA authorisation (FRN 938367), ICO registration (ZA753348), and SAF Approved status, and distributes through a nationwide UK website with city-specific SEO landing pages, an educational blog, an online finance calculator, and a curated partner dealer network. Customers are served via a self-serve online application combined with phone-based broker support.

Revenue is generated entirely on a commission basis: the firm earns a fixed commission payment or percentage from its panel of lender partners for each successful introduction, and may additionally charge a dealer introduction fee when customers are referred to a partner dealership. No fees are charged to customers; representative APR on the products routed is 24.9%, with qualifying rates from 10.9%. The business is founder/management-owned with no external funding rounds, M&A activity, or investor ownership on record, and the team remains in the 1–10 employee range.

Name

Car Finance Genie

Legal name

Reynolds and Stein Company Limited

Website

https://carfinancegenie.co.uk

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

UK car finance credit broker (Reynolds & Stein Company Ltd) matching consumer and small-business borrowers with a panel of 15+ UK lenders, specialising in bad-credit and no-deposit vehicle finance nationwide.

Ownership category

akta.pro rank

Product category

Consumer Auto Finance Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163)

akta.pro primary industry

Auto & Vehicle Loan Brokerage (FSAEAEAK)

akta.pro secondary industry

New & Used Auto Purchase Loans (FSAKADAA)

Keywords

• Car finance brokerage
• Vehicle finance broker
• Bad credit car finance
• Hire purchase brokerage
• Consumer auto lending

Headquarters

HQ city

Brentwood

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Technology or R&D, Operations, Infrastructure, Others

Revenue model

1. Commission from Lenders: Car Finance Genie acts as a credit broker and receives a fixed commission payment or percentage from their panel of finance partners/lenders for introducing customers. This commission does not influence the interest rate or acceptance offered to customers. Commission amounts may vary by lender.
2. Dealer Introduction Fees: The company may charge dealerships a fee for introducing customers to one of their vehicles. This is a fee charged directly to the dealer that they pay to Car Finance Genie.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Car Finance Genie is a UK credit broker that matches individual consumers seeking car finance with a panel of lenders offering Hire Purchase (HP) and Personal Contract Purchase (PCP) agreements. The service is free to customers, with the company earning commission from lenders and dealer introduction fees, and specializes in non-standard cases including bad credit, no-deposit, first-time driver, self-employed, student, benefits recipients, and business vehicle finance.

Differentiator

Problem solved

Functional benefit

Products and services

• Car Finance Brokerage Service

Quantifiable outcome

• 100+ independent 5-star reviews
• +2 more outcomes

Segments8 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Three partnerships are on record, tiered core.

• AutoConvert (Blue Owl Network Ltd)coreTechnology or IntegrationCRM system provider used by Car Finance Genie to manage customer relationships and process loan applications. Connects with Equifax and Experian credit reference agencies for eligibility checking.
• Equifax LtdcoreTechnology or IntegrationCredit reference agency providing credit checks and fraud prevention services.
• Experian LtdcoreTechnology or IntegrationCredit reference agency providing credit checks and fraud prevention services.

Scale indicators3 records

Recent moves1 record

Expansion highlights4 records

Market position

Competitive moat4 records

Key highlights7 records

Customer concentration

• Xx.com/carfinancegenie
• Facebookfacebook.com/carfinancegenie
• LinkedInlinkedin.com/company/carfinancegenie

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Car Finance Genie