Car Finance – Affordable Car Loans & Flexible Finance Deals
Looking for the best car finance deal? Whether you need bad credit car finance, a low-interest car loan, or a tailored finance plan, we’re here to help. Our flexible finance options allow you to spread the cost of a new or used car with affordable monthly payments.
With access to a panel of lenders, we can find the best car finance options suited to your credit score, budget and vehicle choice.
Looking for an idea of monthly payments on some of the UK’s most popular cars, we have payment examples on everything from the Smart Fortwo to the Land Rover Discovery.
Take a look at some of the cars available at our partner dealers.
What is Car Finance?
Car finance is a way to buy a car without paying upfront. Instead, you spread the cost over fixed monthly payments, making it more affordable. Depending on the finance type, you can either own the vehicle at the end of the agreement or return or upgrade to a new model.
Benefits of Car Finance
Types of Car Finance Available
Hire Purchase (HP) Car Finance
- Fixed monthly payments with no mileage restrictions.
- You own the car after paying the final option to purchase fee.
- Ideal for those who want full ownership.
Best for: Buyers who want to spread payments without a large final cost.
Personal Contract Purchase (PCP) Car Finance
- Lower monthly payments compared to HP.
- Choose to keep, return, or part-exchange the car at the end.
- Subject to an agreed mileage limit (excess charges may apply).
Best for: Drivers who like to change cars regularly.
Lease Purchase (LP) Car Finance
- Lower monthly payments with a deferred final lump sum.
- Ownership at the end of the agreement.
- The final payment is based on the car's future value.
Best for: Those who want lower monthly payments but plan to own the car.
Personal Car Loans
- Get a lump sum with a fixed interest rate.
- Buy from any dealer or private seller.
- Own the car outright from day one.
Best for: Buyers looking for flexibility without finance agreement restrictions.
Car Finance for Bad Credit - Can I Get Approved?
Yes! We can help with bad credit car finance, helping drivers with poor or limited credit history get approved. Even if you’ve been declined elsewhere, we may still be able to help.
Factors that affect approval:
- Your credit score and financial history
- Employment status and income
- Deposit amount and loan affordability
We offer no-obligation car finance quotes, so you can check your eligibility without affecting your credit score.
Why Choose us for Car Finance?
- Expert Car Finance Specialists - We work with multiple lenders to secure the best deal.
- Fast Approval Process - Apply online in minutes with quick decisions.
- No Deposit Options - Get finance even without an upfront payment.
- Nationwide Coverage - We help customers across the UK.
How To Apply For Car Finance?
Applying for car finance is quick and hassle-free
Apply for Car Finance Today - Get a Free Quote!
Ready to finance your next car? Apply now and get a decision in minutes!
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