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 vehicle 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.

Steps to securing vehicle finance

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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.

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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.

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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

Customer reviews

Emile was amazing! Was a pleasure speaking to him on the phone! He got me the best deal and helped me right up to the end, even gave excellent customer service after the purchase had gone through.

See more reviews

Why choose car finance?

Buying a car is likely to be one of the biggest purchases you’ll make in your life, as well as one of the most expensive. Consequently, you may need some help in managing your finances, so you don’t potentially lose out on a huge sum of money.

Once you’ve found your dream car, you can start thinking about how you’ll be paying for it.

This is where car financing comes in.

What is car finance and how does it work?

Car finance simply makes the entire process of buying a car much easier, as you won’t have to part with a lump sum of cash before you get behind the wheel. Purchasing a car on finance acts essentially means getting a loan for the car, which you can then pay back in affordable, fixed instalments each month. This allows you to control your finances by making it easier to budget.

Hire purchase (HP) and personal contract purchase (PCP) are the most common forms of car finance agreements, along with guarantor and personal loans. However, there are other options available, such as self-employed finance and no-deposit finance, all of which can go some way towards making it easier for you to find the one that suits your unique needs.

It’s important to research the different options available to you when picking a car finance scheme, and make sure that you choose the best, most affordable option for your needs.

Is it better to buy or finance a car?

In previous years, it was better to buy a car outright, but that’s no longer the case. The increasing cost of living means that fewer people are able to afford to pay for a car in full and still remain financially stable. Opting into a car finance program is a more affordable option, as it allows you to spread the overall cost over several monthly instalments.

Do you pay more when you finance a car?

How much you will need to repay when financing a car depends on various factors, such as how much money you borrowed and what type of contract it was loaned under. For example, under an HP agreement, the amount borrowed is based on the car’s retail value at the start of the contract. If the cost depreciates significantly, you’ll still need to continue paying back on the full amount agreed upon when you began the plan.

A PCP agreement works in a similar way in that your ownership of the car is delayed until the end of the contract. However, the overall loan is calculated based on its guaranteed future value, which means you only borrow the difference between what the car is worth at the start of your agreement and what it will be at the end. By doing this, your repayments will typically be cheaper than other options. This agreement also gives you the option to upgrade your car with the dealer and take out a new contract.

Does my credit score affect car finance?

Credit scores are important when getting any form of a loan, including your potential to be approved for car finance. Having a higher credit score increases your chances of success when applying for any loan, so you should bear this in mind when applying for finance. There are ways you can improve your credit score, including ensuring your credit report is up to date, and paying off any outstanding debts.

Even if you don’t have the best credit score, you may still be eligible for a loan. Our team are experts at securing car finance with bad credit, and can help you on your journey towards getting your dream car. This includes CCJs, late payments, mortgage arrears, and other situations that may initially deter lenders.

Can you pay off a car loan early?

This largely depends on your own finances and whether you can afford to make larger repayments. However, you should check the details in your own contract, as some companies will charge you early repayment fees if you pay off the full loan before your contract ends. This is generally calculated based on two months’ worth of interest that the lender would have otherwise lost out on. However, this can vary from company to company, so it’s important to check.

What happens if I’ve been refused car finance?

Regardless of why you’ve been refused for car finance in the past, there are still options available to help you afford a vehicle. In the event that lenders are cautious of your credit history, or you have found yourself unable to afford the deposit required for your initial loan enquiry, there are still other finance options available. A no deposit loan, for example, may require higher monthly repayments, but it can still help you secure the vehicle you want.

What are the different vehicles I can get on finance?

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.

What do I do next?

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.

Vehicle finance FAQs

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.

Vehicles we finance

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.