Close Motor Finance is able to assess any given finance proposal on a case-by-case basis, rather than use a points scoring system. This means that by underwriting proposals manually many proposals rejected by a competitors scorecard system may be accepted.

Close Motor Finance core product is Conditional Sale which is the most common way to finance a vehicle through a motor dealer. At the beginning of the agreement, the customer pays a deposit to secure the vehicle while the remaining balance is paid over a set period. Interest is charged on the amount remaining and payable as part of the fixed monthly payments. Full ownership of the vehicle passes from Close to the customer on the final payment. The benefits of a conditional sale plan are largely focussed around convenience for the customer.