How much can I afford to pay?

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

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

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.

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.


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.


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.


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.


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.

Customer reviews

What our customers say

Car finance options

The most common car finance options agreement are hire purchase (HP), personal contract purchase (PCP), lease purchase or personal loan.

Hire purchase (HP)

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.

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Personal contract purchase (PCP)

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.

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Personal loans

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.

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Car finance with a guarantor

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.

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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.

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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.

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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.

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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.

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