A better way to get a car loan with Carfinance+.

Need car finance? Here's how Carfinance+ can help you with car loans. Compare car loans to make sure you get a better deal to help you afford your monthly repayments.

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Get your car from any dealer

You can buy any car from any reputable dealer across the UK. Check your eligibility and get a free car loan quote now.

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No impact to your credit

Applying for a car loan will not affect your credit score as we use soft credit search to get your car finance deal quote.

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No paperwork & no deposit

No paperwork is needed. Apply and complete online. We can offer car loan deals where you don’t have to put a deposit.

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Our best rate is 6.9% APR

We provide low interest car finance from UK’s top lender. No fees. No deposit required. See if you are eligible.

How much can I afford to pay?

Our car finance calculator is an ideal tool to work out what your monthly repayments..

Our car finance calculator is an ideal tool to work out what your monthly payments will look like.

Good credit
Bad credit
Amount to borrow:
£
To repay over:
5 Years
48 monthly payments of
£ 245 /mo
Car finance rate XX% APR
Cost of credit £ XXX
Total repayment £ XX,XX.XX

Representative example - Borrowing £5,500 over 4 years with a representative APR of 19.8%, and a deposit of £0, the amount payable would be £162 per month, with a total cost of credit of £2,282 and a total amount payable of £7,782.

We compare car finance quotes from all the leading providers

We partner with the UK’s trusted car finance lenders, so that you get the most suitable car loan quotes from across a huge choice of deals.

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Why you might need car finance

Bad credit

We can help customers with poor and bad credit, who been refused a car loan elsewhere. Apply for a fast quote online without an impact on your credit score.

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CCJs, defaults & IVAs

You can still get car finance with with a CCJ, default or IVA. Rates from 6.9%. Apply for a free no obligation quote now. No broker fees.

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Debt management plan

At some point during your debt management plan, you consider getting a car or replacing the one you currently have. This is possible with Carfinance+

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You're a student

We want to make car finance for young drivers and students affordable. Even if you need car finance for students with bad credit scores, we can help.

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What is a CCJ?

A CCJ (Country Court Judgement) is a court order that is issued in England, Wales, and Northern Ireland if you have failed to repay debts on time. Therefore, CCJs can be detrimental to your credit rating as they serve as evidence of poor money management.

14 days before a CCJ is issued, the credited is required to provide a forewarning letter. During this time, if you are able to settle the debt, the CCJ will not be issued. If you are unable to do so, there is a 30-day window after the CCJ comes into effect whereby if you settle the debt, it will not stay on your credit profile. Failure to do this will result in the CCJ staying on your credit record on the Register of Judgments, Orders and Fines for 6 years.

Can I get car finance with a CCJ?

In short, yes. Here at Car Finance Plus, we’re experts in securing car finance for those in a variety of financial situations, and we have a high success rate for securing car loans for individuals with CCJs.

To get started, decide on the amount you’d like to borrow and how long you’d like your repayment period to last. You can use our car finance calculator to see the costs that you will incur on a monthly basis. Then, simply fill in our online application form.

Before we send your application on to our lenders, we perform a “soft search” or “quotation search” which is a basic credit check that doesn’t affect your credit score. We assess your income and likelihood of making monthly repayments – this is crucial, especially if you’ve been issued with a CCJ.

Performing the soft search also gives us an indication of whether your application is likely to be successful and reduces the chances of it being rejected. A rejection of your formal application for car finance can be harmful to your credit rating.

Once this has been completed and we’re satisfied with the results, we’ll pass on your application to our panel of lenders who will be in touch with you regarding your loan. In many cases, this will be within 24 hours of your first applying. For more information on CCJ car finance, call us on 020 3389 6489.

Looking for a car finance quote?

Looking for a car loan? Compare top car finance deals without affecting your credit score and borrow up to £50,000. Use our helpful car finance calculator to check your affordability and how much you could borrow.

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What our customers say

About us

We are the motor finance people

Since 2015 we’ve specialised in motor finance. We’re a family-run company committed to putting our customers first.

Learn more about our company