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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Advantage Finance Limited Logo
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PCF Bank Logo
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Paragon Bank Logo

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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Why have you been refused?

There are a number of reasons as to why you may have been refused car finance in the past. Each lender uses a different eligibility-checking system, so the specific reasons will vary. However, here are the most common:

Having a bad credit score is the most likely reason you’ve been declined. A bad credit score can result from poor money management, failing to repay loans on time or even declaring bankruptcy. Even not being on the electoral roll can worsen your credit score;

You may have been unable to afford the deposit that the lender was asking for;

You may have been asking to borrow more money than the lender thought you could afford to pay back each month, based on your monthly income, or you were unable to provide evidence of your monthly income;

A lender rejecting you in the past can have an adverse effect on your credit rating, in turn resulting in other lenders rejecting your application. Once you’ve been rejected, other lenders will often see this as evidence of you being a bad credit risk.

What’s the next step?

We specialise in securing car finance for people who have been refused previously, and we can offer you a range of finance options, such as 0% deposit loans.

Once you’ve filled in our online application form, we’ll perform a soft credit check. This allows us to assess your likelihood of being accepted before you are passed onto our panel of lenders. If it’s unlikely that you’ll be accepted, we won’t pass you on to receive a formal credit check. Failing a formal credit check will further hinder your credit score, as such we are careful only to pass on applications that we are confident will be approved.

Ways to help your application

While we pride ourselves on being able to help people who have been refused car finance in the past, we cannot guarantee that your application will be successful. As such, we recommend that you do the following in order to help your application.

Improve your credit score by ensuring you are on the electoral roll and the information held by credit reference agencies is correct and up-to-date;

Offer to pay a larger deposit, thus reducing the size of the loan you’ll need to borrow and increasing your trustworthiness in the eyes of lenders;

Have a friend or family member be a guarantor to give lenders further confidence that they’ll receive their repayments on time

Get in touch with us today at 020 3389 6489 to find out how we can help you.

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.

Free eligibility checker

What our customers say

Car finance FAQs

Car finance is a type of loan that enables you to buy a used or new vehicle by spreading the cost over a period of time, usually between 2 to 5 years. There are three types of car finance available - Hire Purchase (HP), Personal Contract Purchase (PCP) and Personal Loan.

We’re a specialist car finance broker and have helped thousands of motorists across the UK to purchase a vehicle. With a range of specialist financing options including those suited for individuals with poor credit ratings or CCJs, we’re able to help you find the perfect car.

No fees and no deposit;

Get a car from any dealer;

Bad credit is accepted;

Low rates on selected car finance deals;

Instant lending decision;

Quotes with no impact on credit score;

Free affordability and eligibility check;

We approve most applicants;

CCJs, defaults are accepted;

Buy from a private seller;

Taxi driver finance;

We compare car finance deals from UK’s top providers and lenders, which means that our customers have access to a wide range of options. We can help customers with all types of credit histories, either good or bad. We’re specialists in bad credit car loans and typically 2 out of 3 applications get accepted. You may have bad credit or have been refused financing elsewhere. Our expert brokers will be able to help you find a lender that suits your requirements. Please apply now to get your free, no obligation quote.

Brokers and lenders are legally unable to provide a guaranteed car loan unless they run a full credit check and review your financial situation. We’re responsible car finance brokers who will only guarantee car finance once we have checked your credit history and matched you to a suitable lender from our panel of car finance specialists.

You can buy any vehicle from any reputable dealer. Simply apply online. The application only takes a minute to complete. One of our car loan experts will call you and discuss your personalised quote.
 If you are happy with the quote, simply let us know the dealer and car details, and our team will pay the deal same day. We’re one of the top car finance online brokers in the UK helping thousands of customers to buy a car of their dream.

We can get you a no deposit car finance deal. No deposit car loan packages mean that you will have higher monthly repayments. We also approve bad credit no deposit deals for customers who might have struggled to get finance accepted elsewhere.

We consider applicants with poor or bad credit history and can help even if you had CCJs, have been bankrupt or been refused car finance. The application will only take several minutes and decision in principle will be made in a matter of hours. Depending on your personal circumstances, we may request additional paperwork from you, such as proof of income, your passport copy and proof of address.

Contact us for financial car advice

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