BR Automotive: Low Rate Car Finance from 8.3% APR

BR Automotive Ltd is authorised and regulated by the Financial Conduct Authority, under FCA number: 841113. We act as a credit broker, not a lender. We work with several carefully selected credit providers who may be able to offer you finance for your purchase. (Written Quotation available upon request). Whichever lender we introduce you to, we will typically receive commission from them (either a fixed fee or a fixed percentage of the amount you borrow), and this may or may not affect the total amount repayable. The lender will disclose this information before you enter into an agreement, which only occurs with your express consent. The lenders we work with could pay commission at different rates, and you will be notified of the amount we are paid before completion. All finance is subject to status and income. Terms and conditions apply. Applicants must be 18 years or over. We are only able to offer finance products from these providers. As we are a credit broker and have a commercial relationship with the lender, the introductions we make are not impartial, but we will make introductions in line with your needs, subject to your circumstances

The client faced a significant hurdle in digitising their vehicle finance process, which required a complex, multi-step application form. Their existing system struggled to manage intricate "conditional branching” where the user's previous answers dictate the next set of questions, making it difficult to capture varied vehicle selections, financial details, and personal data accurately in one seamless flow.

Beyond the form’s logic, the client needed to eliminate manual data entry by integrating real-time external APIs for vehicle searches, address lookups, and finance quotes. The goal was to replace a rigid, static process with a dynamic solution that could handle high-level complexity while remaining flexible enough for future updates as financing regulations and vehicle inventories evolve.

To streamline the complex application process, we designed a structured, step-by-step user journey powered by advanced conditional logic. This allowed the form to dynamically adapt based on the user's vehicle choice, employment status, and financial history, ensuring a personalised experience. To provide immediate value, we integrated an interactive EMI calculator that displays real-time finance options, including principal amounts and interest rates, directly within the flow.

For the technical foundation, we utilised Gravity Forms for its superior flexibility in handling multi-step branching and seamless external integrations. This was paired with the Codeweavers API to automate vehicle data and address lookups, significantly reducing manual entry for the user. The result is a high-performance, automated system that simplifies complex finance applications into a fast and intuitive digital experience.

The project successfully transformed a complex application into a streamlined, user-friendly journey that intelligently guides users based on their specific inputs. By integrating Codeweavers APIs, we eliminated the need for tedious manual data entry, significantly improving the user experience and increasing the accuracy of the information captured.

This new digital framework provides the client with a highly scalable and flexible solution. The architecture is built to handle future updates with ease, allowing the client to adjust financing logic or add new features quickly as their business grows and market demands change.