Instant Car Finance

INSTANT CAR FINANCE DECISION IN 60 SECONDS

Instant Car Finance

Finance any car

Instant decision

No deposit needed

Check your eligibility →

🔒 No impact on your credit score

Check your eligibility

Rated 4.9 out of 5 stars

Need a fast car finance decision? CarFinanced gives you an instant car finance decision in 60 seconds — with no impact on your credit score. Whether you need quick car finance for a new or used car, same day car finance, or simply want to know where you stand before you apply, we search our full lender panel to find the best deal for your circumstances. FCA regulated. All credit scores considered.

CarFinanced is a credit broker not a lender. Representative example: Borrowing £5,500 over 48 months at 19.9% APR representative. Monthly payments of £162. Zero deposit. Total cost of credit £2,282. Total amount payable £7,782. Subject to status. 18+.

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.“

“Quick, simple process. My account manager was great throughout. Very helpful, professional and quick with responses to any questions I had”

“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.”

“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.”

How CarFinanced Works

Apply instant car finance

Complete our quick online form & get matched with the best car finance deal in minutes.

We find fastest car finance deal

Sit back while we handle the admin and find you the best car finance deal.

Same day approval

Choose a car—we’ll handle the finance and part-exchange.

We work with trusted car finance partners only to provide you with the best options

Why Get Your Instant Car Finance Decision Through CarFinanced

Finding you the best deal

We search our full lender panel instantly to find you the most competitive fast car finance deal available for your credit profile.

Personalised Support

Your dedicated account manager is on hand throughout — from your instant decision to collecting your car the same day.

Convenience

Apply online in minutes, get an instant car finance decision in 60 seconds, and drive away fast. No deposit needed.

Trust

FCA regulated and trusted by 10,000+ customers — quick car finance arranged safely, responsibly, and transparently.

Frequently Asked Questions

What is instant car finance?

Instant car finance means you can get a lending decision in seconds rather than days. CarFinanced runs a soft search against our lender panel and returns an in-principle decision in 60 seconds — with no impact on your credit score.

How fast is a car finance instant decision?

Our eligibility check takes less than 60 seconds. Once you proceed to a full application, full approval typically happens within hours. Many CarFinanced customers receive same day car finance approval and collect their car the same day or next day.

Can I get same day car finance?

Yes. Same day car finance is available through CarFinanced. Once your application is approved, we work quickly to get your finance arranged so you can collect your car as soon as possible.

Does getting an instant car finance decision affect my credit score?

No. Our initial eligibility check is a soft search and leaves no mark on your credit file. Only if you choose to proceed to a full application will a hard search be conducted — and we will always inform you before that happens.

Can I get a fast car finance decision with bad credit?

Yes. CarFinanced works with lenders who consider all credit scores for instant car finance decisions, including poor credit, CCJs, and defaults. A bad credit history does not automatically disqualify you.

What is the difference between an instant decision and full approval?

An instant decision is an in-principle indication based on a soft credit search. Full approval is the lender’s confirmed offer following a full application and hard credit search. Both happen quickly through CarFinanced — often within hours.

Can I get quick car finance with no deposit?

Yes. Zero deposit options are available on instant car finance through CarFinanced. No upfront payment is required — subject to lender approval.

What do I need to apply for instant car finance?

You need to be 18 or over, a UK resident, and able to afford the monthly repayments. Have your personal details, employment information, and bank details ready to speed up your application.

Ready to get your next car?

Rated 4.9 out of 5 stars

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.

Get your quote here

Quick links

Contact info

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.