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Get car finance up to £50k. Ready, set, go!

  • You can find rates from 6.9% APR*
  • Check your eligibility without impacting your credit score
  • We'll search for the right deal - whatever your credit history
Car Finance

*Representative example: Borrowing £6,500 over 5 years with a representative APR of 19.9%, an annual interest rate of 19.9% (Fixed) and a deposit of £0.00, the amount payable would be £166.07 per month, with a total cost of credit of £3,464.37 and a total amount payable of £9,964.37. Rates may differ as they are dependent on individual circumstances. Subject to status.

Estimated monthly payment

19.9%

APR Representative (Variable)

Find my finance
  • You can find rates from 6.9% APR*
  • Check your eligibility without impacting your credit score
  • We'll search for the right deal - whatever your credit history

*Representative example:Borrowing £6,500 over 5 years with a representative APR of 19.9%, an annual interest rate of 19.9% (Fixed) and a deposit of £0.00, the amount payable would be £166.07 per month, with a total cost of credit of £3,464.37 and a total amount payable of £9,964.37. Rates may differ as they are dependent on individual circumstances. Subject to status.

How to apply

How it works
Fill in the form

Fill in the form

Tell us how much you want
to borrow and for how long.

Check your eligibility

Check your eligibility

See which deals you're
eligible for.

Finalise your application

Finalise your application

Complete your application
on our partner's site.

How it works

Why choose car finance

No deposit needed

No deposit needed

You don't need a lump sum to secure car finance.

We find you the best deal

We have access to all types of lenders, so we're able to find you the most suitable option.

We consider any score

We consider any score

Whether your credit file is poor or excellent, we'll try to find the best option for you.

How does car finance work?

Car finance is a form of loan and refers to paying for a vehicle over a set period of time, instead of buying it outright with a cash payment.

The most common types of car finance agreements are hire purchase (HP) or personal contract purchase (PCP) - although you can use a personal loan or a guarantor loan to buy a car.

Your monthly payments will depend on a few things – such as the amount you're looking to borrow, the length of time you intend on keeping your car, and ultimately, what type of agreement you have arranged.

With many options available, it's important to understand how they differ and why one option may be better suited than another.

FAQs

What is hire purchase (HP)?

Hire purchase means that you're hiring the car from the lender until you've paid for it in full. The finance is secured against the vehicle itself, and you won't officially own it until the final payment has been made. It is one of the most commonly used forms of car finance.

If you take out a hire purchase agreement, you can choose whether to pay a deposit up front, followed by regular monthly payments over an agreed period of time. The size of the deposit you put down will affect how much you pay each month.

Once all the agreed monthly payments have been made, the car will legally belong to you and the finance agreement will end. With a hire purchase agreement, you have the option to pay off the outstanding finance at any point by requesting a settlement figure from the lender.

What is a personal contract purchase (PCP)?

A personal contract purchase (PCP) agreement is similar to a hire purchase agreement, in the sense that you'll have the option to pay a deposit followed by fixed monthly repayments over a set period of time (typically 24-48 months).

However, at the end of the fixed term, you'll have the option to either hand the car back, use the equity as a deposit for your next vehicle, or obtain ownership of the vehicle. To do the latter you will need to pay the Guaranteed Minimum Future Value (GMFV) (also known as a “balloon payment”) at the end of the term.

There will be a clause in your agreement that states the maximum annual mileage on the car. Should you exceed this, or the vehicle is subject to damage that is not classed as general wear and tear, there may be charges set by the lender.

You can find further information around charges in your initial finance agreement.

What is a guarantor loan?

A guarantor loan is suggested if the individual wanting to take out the agreement has a particularly poor credit rating.

This is because it involves a third party (usually a relative or friend) acting as a guarantor. If you fail to keep up with repayments, the guarantor will pay the monthly amount on your behalf.

Can I get car finance with bad credit?

Yes, you can.

Whether you have good credit or a less-than-perfect credit score, we can look at options that best suit you. We consider all credit histories. Our partners are experts in arranging car loans for those that have previously been rejected.

Whether you’ve struggled in the past with a CCJ, defaults or you have no credit history, we’ll still be able to find you a specialist lender for your circumstances.

Can I get car finance with no deposit?

Yes, you can. We work with a range of lenders, including zero deposit options for both hire purchase and PCP.

Is it easy to get car finance?

Yes, it’s easier than you think. Our online process is simple and risk-free to get a quote.

Here are the steps:

  1. Fill in the form - tell us how much you want to borrow
  2. Check eligibility - we’ll show you what deals you’re eligible for
  3. Complete application - you’ll finalise this on our partner’s site

What checks are done for car finance?

Checking your eligibility is risk-free. Using our online service, you can see which deals you’re eligible for without impacting your credit score.

However, once you come to finalise your application, a credit check will be carried out. Though this will leave a temporary dent, it’s important to remember that it should recover very quickly. You’ll need to be making your payments on time, each month - including your new car finance loan!

Other documents and information needed may include your driving license, proof of income and your address history.

What credit score do I need for car finance?

Good news, there is no set credit score you need to get car finance.

We look at all credit histories: good, bad and anywhere in-between. Our partner works with a range of specialist lenders, so we’ll be able to find you the most suitable option.

Who is the legal owner of a car on finance?

You’ll be able to use the car as if it’s your own - and won’t have restrictions on where and when you can drive. But legally:

For hire purchase - the car isn’t legally yours until after the final payment. The loan is secured against the car, so it means if you miss payments, you could lose the car.

For PCP - the car isn’t legally yours unless you choose to pay the remainder of the balance at the end of the contract. This is often called a balloon payment. You can also lose the car if you don’t keep up with repayments.