Use our simple tool to check how much money you could borrow alongside our easy repayment plans. Understand your finance options to help you shop for a car within your ideal budget.
Your dedicated account manager will work with you according to your chosen finance plan, making the process easier. Whether that’s helping you pick a car or talking to the dealer, we’re on hand to help.
Find your perfect car from any reputable dealer, and our account managers will complete all the checks to get you the vehicle of your dreams with the ideal finance plan.
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.
Assuming your credit profile is
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.
Whether you have bad credit, CCJ (County Court Judgement), or you’re still a student, we can help you get the right car finance scheme for you. We provide our clients with a range of plans, so our account managers can find your perfect plan. Our easy-to-use loan calculator lets you see how much you can borrow, and how much you need to pay back over the length of your plan.Check your eligibility
As with any loan, we will need to complete a credit check of your financial history, which ultimately has an effect on your credit score. Each time you apply for a loan, even if you choose not to pursue it, is recorded on your credit history. If you’ve ever been refused a loan, this is also noted. This is important because the more credit refusals you have against your name, the more negative your overall credit score will be.
When you apply with us we do a soft credit check first. This won't affect your credit score rating.Learn more
Once you’ve completed our online application form, one of our car finance experts will get in touch to discuss your personal loan plan. Then you just need to tell us what model car you’ve chosen from any of our trusted UK dealers, and we’ll take care of the rest. After we’ve finalised the paperwork, and you’ve signed it, you can go collect your new vehicle and drive home happy.Check your eligibility
Having bad credit doesn’t necessarily mean you cannot borrow money or that you’ll be refused a loan. At Carfinance+, our expert team will work with you to find the right plan for your needs, helping you get your dream car at a price you can afford. Find out more about our various plans and choose the one that works best for your lifestyle.Learn more
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.Learn more >
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.Learn more >
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+Learn more >
Get a decision in minutes with our 2 minute application. We consider all circumstances. We work with a large panel of lenders to ensure we get you the best deal. We accept CCJs & defaults.Learn more >
The most common car finance options agreement are hire purchase (HP), personal contract purchase (PCP), lease purchase or personal loan.
Hire purchase (HP) is a way to pay for a car loan in equal monthly instalments over a set period of time, between 18 and 60 months. There are no deposit deals available although paying a small deposit will lower your monthly payments.
With Personal Contract Purchase you will pay initial deposit, usually 10%. The monthly repayments are typically lowers because you are paying off the value of the depreciation of the vehicle, not the full value of the car.
Personal loan or unsecured loan car finance is where you borrow a sum of money from a lender or a bank, and agree to pay it back over in fixed monthly repayments. This means you own the car outright as its not secured to the credit agreement.
This is a car loan where a friend or family member agrees to guarantee the repayment of the loan in the case of you failing to meet the payments. The initial loan is paid by the lender to the guarantor and they release it to you.