Your Next Car, Financed.

Your Next Car,

  • Instant decision
  • Finance any car from any dealership
  • No deposit needed
  • Instant decision
  • Finance any car from any dealership
  • No deposit needed

Rates from 6.9% APR. Representative APR 19.8%

Representative example – Borrowing £5,500 over 4 years with flat rate of 10.4% and 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 total amount payable of £7,782. Finance subject to status. 18+ only.

Good credit
Bad credit
Amount to borrow:
To repay over:
5 Years

Assuming your credit profile is

Car finance rate XX% APR
Cost of credit £ XXX
Total repayment £ XX,XX.XX
48 monthly payments of
£ 245 /mo
Your Estimated Credit Score:

Representative example - Borrowing £5,500 over 4 years with flat rate of 10.4% and 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 the UK’s best car finance options for you

car finance quote

It all starts with a quote

With no obligation and no impact on your credit score. As soon as you’ve clicked submit, we’ll get to work finding you the best deal from our wide panel of lenders.

choose a car

Choose a car

We’ve shaken up the system; with us, you can get your finance sorted first and then choose a car with confidence from any reputable dealer.

in your corner

We’re in your corner

Paperwork, dealer negotiations, vehicle checks? We’ll sort it. You can sit back and relax while your dedicated account manager takes care of all the admin for you.

what is car finance

What is car finance?

Car finance is the term used when someone wishes to pay for a new car over an agreed period of time, as opposed to paying for the car outright.

The two most common methods of car finance are Personal Contract Purchase (PCP) and Hire Purchase (HP). Lease purchase and personal loan options are also available.

The payments for each of the different car finance types are typically paid monthly and can vary depending on your personal circumstances, either the car you wish to buy, or the contract length you choose.

How It Works

Ready to choose your new car?

Applying with us only takes a couple of minutes and won’t affect your credit score

car finance

Why use us for car finance?


CarFinanced was built to help people drive the car they really want. Our mission is to give you the options so that you can make the best decision based on your personal circumstances. We have a range of different options available through our trusted lender network, ensuring you get the best possible car finance deal.

No matter what your credit score looks like, our mission is to find you the best car finance deal.

To get a car finance quote our requirements are:

  • Minimum 18 years old
  • UK or European driving license
  • Have been a UK resident for at least 3 years
  • Earn a monthly salary of at least £1000

The different types of car finance in more detail

With so many different options to choose from, it’s important to have all the facts before making a decision on which one is best for you.

Click on one of the links below to see all the information you will need on each of the finance types we offer.

What Our Customers Say

John McCallister

Great customer care, helped me find my dream car. Will defo recommend to everyone I know. Will be back to finance my new car in 3 years

John McCallister
Happy Customer

Nathan Preston

Amazing service, employees act more as friends than salesmen. Recommend.

Nathan Preston
Happy Customer

Coco Sean

Awesome service, quick, trustworthy and clear. Loving my car!

Coco Sean
Happy Customer

Frequently Asked Questions

At CarFinanced, we allow everyone to check whether they are eligible to be approved for finance within a few minutes. Share some small details with us and our lenders will use that information to carry out a soft credit search to give you an answer with the best deals right away.

If you have a poor credit history, you can still apply for car finance. The company will look at your personal circumstances such as; Your employment status, age, income, loan amount, alongside your credit history. You will then receive your exact interest rates and payments.
Yes! You can part-exchange your car as a deposit.

Annual percentage rate (APR) is the interest rate applied to your loan. Predominantly, it is the yearly cost of your borrowing. You will pay this on top of the sum that you have applied for. If you take out a long-term loan, the total amount payable will be more, as you will be paying interest for a longer amount of time.

Yes, if the provisional is less than 3 years old.
Our average transaction takes less than 24 hours to complete from beginning until the end.
Unfortunately, you are legally required to be 18 years or over in order to take out car finance.
If you choose HP, you will own the car at the end of your finance term, whereas if you opt for PCP, you can either choose to hand the car back or pay a balloon payment determined by the final purchase price of the car.
If you would like someone else to be able to drive your car, you may be able to add them as a named driver on your car insurance policy.
With your permission, we can pass your details on to insurance companies who can provide this for you.
Depending on the age of the car and the lender, between 12-72 months.
To be eligible for a quote, you need to be at least 18 years old, have a drivers license and earn at least £1000 per month.

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