How much can I afford to pay?

Our vehicle 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.

Vehicle finance for every credit type

Our vehicle finance specialists have helped thousands of people finance a new vehicle when they didn’t think they could afford to. Whatever your credit type, we make the process quick, easy and affordable so you’ll be out on the road in no time.

Am I still eligible for vehicle finance if I have bad credit?

Most people with bad credit assume that a low score will prevent them from securing vehicle finance, however, that isn’t the case with Carfinance+. We provide vehicle finance to customers with all credit types, which means even if you have bad credit or a CCJ to your name, we’re happy to help you acquire your vehicle of choice. Likewise, our team will gladly set up a vehicle finance scheme if you’ve been refused car finance in the past or are currently in the middle of a debt management plan. Vehicle finance is also a great choice for students who need a cost-effective way to fund new transport.

As well as getting your hands on a fantastic vehicle with low-interest rates, vehicle finance is ideal for those aiming to improve a bad credit score. Starting a vehicle finance plan will not have a negative effect on your current credit score as we only perform a soft credit search. However, making regular repayments is a brilliant way to prove you’re a responsible borrower, which means you can actually improve your credit score while driving your new vehicle.

Check your eligibility

Steps to securing vehicle finance


We find you a lender

We look through our vast panel of lenders to find the perfect deal for you. This allows us to ascertain the finance options available to you, making it easier for you to shop for a car within your budget.


We manage the process

You’ll be assigned a dedicated account manager who will always be on hand to address any questions or queries. Whether you need help finding a vehicle or contacting a dealer, they’ll always be at your beck and call.


You choose your vehicle

Choose your vehicle from a reputable dealer and we’ll conduct all the necessary checks to make sure it’s in top condition and ready for you to drive

We offer vehicle finance on several different modes of transport so we’re sure to find the perfect set of wheels for you. Our most common finance plans are for cars, though you can also secure vehicle finance for vans and motorbikes if these are better suited to your needs. You can choose from a range of different models with good age and mileage, spreading the cost of your loan across 18 to 60 months. There is also a range of finance options available including personal loans, hire purchase and personal contract purchase, while it may even be possible to acquire vehicle finance with no deposit.

You can use our car finance calculator to estimate the value of your monthly repayments according to your budget and how long you wish to pay off your loan. This tool can also be used for van and motorbike vehicle finance. Next, get your free quote by providing us with personal details including your salary and employment information.

Once you’ve been conditionally accepted, you’ll be directed to call your dedicated finance expert and also share registration, mileage and dealership details if there is a vehicle you already have in mind. It’s crucial that you don't apply elsewhere in the meantime, as additional credit searches could affect your credit score and restrict our ability to hold this offer. When we have received all the required information, we will have your application approved and underwritten before paying out your vehicle finance on the same day.

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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