Looking for a car loan? CarFinanced searches our full panel of trusted lenders to find the most competitive car finance loan available for your circumstances. Whether you need a new car loan, a used car loan, a second hand car loan, or simply want the lowest APR car loan on the market — we compare the whole panel so you don’t have to. FCA regulated. All credit scores considered. Free quote in minutes.
CarFinanced is a credit broker not a lender. 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.
Car Loan Options Available Through CarFinanced
Car Loan For Any Car
Spread the full cost of your new or used car with a fixed monthly car loan payment — own it outright at the end for just £10.
New Car Loan
Finance a brand new car with competitive monthly payments and a fixed APR. No mileage restrictions, no balloon payment.
Used Car Loan
Car loans for used and second hand cars — same fixed payments, no mileage limits, full ownership at the end of the agreement.
Car Loan With No Deposit
Zero deposit car loans available through our lender panel. No upfront cost needed to get on the road.
Lowest APR Car Loan
We search our whole panel to find you the lowest APR car finance loan available for your credit profile and chosen vehicle.
Car Loan Snapshot
Fixed monthly car loan payments
No mileage restrictions
Own the car outright at the end — purchase fee typically just £10
Deposit
May be required depending on the lender; 0% deposit options may be available.
Fixed term
Followed by a fixed monthly amount for the period of the loan.
Making car finance simple for 10,000+ customers
“I’ve used CarFinanced after being recommended by a friend and I’m so glad I did. Hass was brilliant from start to finish — kept me updated throughout and made sure I understood everything before signing anything. Got a great rate and the whole thing was sorted quicker than I expected. Will definitely be coming back when it’s time to upgrade.“
Albert James
Happy customer
“Quick, simple process. My account manager was great throughout. Very helpful, professional and quick with responses to any questions I had”
Kirsty Baillie
Happy customer
“I’ve bought many cars using finance companies in the past but none have been as good as CarFinanced. Special thanks and shout out to Hass for overseeing the process and ensuring I got the best deal on my new car in a very quick turnaround also.”
Mike Davis
Happy customer
“Honestly wasn’t sure what to expect but CarFinanced made the whole process really straightforward. Hass sorted everything out for me and was always on hand to answer any questions I had. Got into my new car way faster than I thought possible. Great service all round.”
Maria David
Happy customer
Your monthly payment will depend on a few things:
How much deposit you would like to pay
The period your agreement runs for
The interest rate on the loan
The car you decide on
How Does a Car Loan Through CarFinanced Work?
A car finance loan from CarFinanced covers the cost of your new or used car, minus any deposit you choose to put down upfront.
You repay the car loan monthly at a fixed agreed amount — your payment stays the same throughout the full term.
Car loan terms typically run 1 to 5 years. At the end, a small purchase fee (usually around £10) transfers full legal ownership of the car to you.
Ready to apply for your car loan? We run a soft search first — no credit score impact. Car loans are arranged every day for customers with less than perfect credit.
Why Get Your Car Loan Through CarFinanced
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.
No matter what your credit score looks like, we can help find you the best hire purchase deal. So whether it’s the new family car with the big boot, or a 2 seater sports car for a weekend blast, we are here to help.
Frequently Asked Questions
What is a car loan?
A car loan is a type of finance that lets you spread the cost of buying a car across fixed monthly payments. Through CarFinanced, car loans are arranged as hire purchase (HP) agreements — you pay monthly, and own the car outright at the end of the term.
Can I get a car loan for a new car?
Yes. CarFinanced arranges new car loans across our full lender panel, with fixed monthly payments and competitive APR rates. Apply free — no impact on your credit score to check eligibility.
Can I get a car loan for a used or second hand car?
Yes. Used car loans and second hand car loans are available through CarFinanced for vehicles of any age, make, or model. Same fixed payments, full ownership at the end.
How do I find the lowest APR car loan?
CarFinanced searches our full panel of lenders to find the lowest APR car finance loan available for your credit profile and chosen vehicle. We do the comparison so you don’t have to — one soft search, no credit score impact.
Can I get a car loan with no deposit?
Yes. Zero deposit car loans are available through CarFinanced, subject to lender approval. You can also use a part-exchange as your deposit if you have an existing car.
Can I get a car loan with bad credit?
Yes. We work with lenders who consider all credit scores for car loans, including poor credit, CCJs, and defaults. A less-than-perfect credit history does not automatically mean a refusal.
What is the difference between a car loan and car finance?
Consumers use these terms interchangeably. Technically, a personal car loan is an unsecured bank loan, while car finance (like HP) is secured against the vehicle. CarFinanced arranges car finance (HP/PCP) — which is often easier to obtain than an unsecured personal loan, especially with a lower credit score.
Will applying for a car loan affect my credit score?
Not initially. Our eligibility check is a soft search — no mark on your credit file. Only if you proceed to a full application will a hard search be conducted, and we always inform you before this happens.
SAF Approved
About us
We pride ourselves on helping as many people as possible drive away in the car they want, without compromise. We understand that every car buyer has a different set of circumstances, so we work tirelessly to ensure we find the right car finance deal for you. Get your personalised quote today.
Contact info
- The Charter Building, Charter Place, Uxbridge, UB8 IJG
- info@carfinanced.co.uk
- 020 3917 4707
CarFinanced is a trading name of CarFinanced Limited. Registered address: The Charter Building, Charter Place, Uxbridge, UB8 1JG, England. Company number: 13109658.
VAT reg number: GB479628529. Information Commissioners Office (ICO) under registration number: ZA847951.
CarFinanced Ltd t/a CarFinanced is authorised and regulated by the Financial Conduct Authority under reference number 1014460.
We look to find the best rate from our panel of lenders and will offer you the best deal that you’re eligible for. Depending on the supply route of your vehicle, we may charge a separate administration fee of £299. We will receive a commission from our panel of lenders when a finance agreement is successfully arranged. This commission may be a fixed fee or a fixed percentage of the amount borrowed, this does not influence the interest rate you’re offered in any way. All finance is subject to status and income. Applicants must be 18 or over.
- © 2026 CarFinanced Limited t/a CarFinanced
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