Zero Deposit Car Finance -

0 DEPOSIT CAR FINANCE DEALS — ALL CREDIT SCORES

No Deposit Car Finance Deals

Finance any car

Instant decision

No deposit needed

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🔒 No impact on your credit score

Check your eligibility

Rated 4.9 out of 5 stars

Looking for zero deposit car finance deals? CarFinanced searches our full panel of trusted lenders to find you the best no deposit cars on finance with zero upfront cost. All credit scores considered. FCA regulated. Rates from 8.9% APR.

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

Tell us your budget — no deposit needed

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

We find your best 0 deposit car deal

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

Collect your car with £0 down

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 Choose CarFinanced For Your 0 Deposit Deal

Finding you the best deal

We search our full lender panel to find the most competitive 0 deposit car finance deals for your credit profile.

Personalised Support

Your dedicated account manager guides you through every step — from quote to collecting your car with £0 down.

Convenience

Apply online in minutes, get a decision in 60 seconds, and drive away the same day. No deposit needed.

Trust

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

Frequently Asked Questions

What is 0 deposit car finance?

Zero deposit car finance means you can get a car on finance with no upfront payment. Instead of paying a lump sum at the start, the full cost of the car is spread across fixed monthly payments — so you can drive away without spending anything on the day.

Can I get no deposit cars on finance with bad credit?

Yes. CarFinanced works with a panel of lenders who consider all credit scores, including bad credit, defaults, and CCJs. A poor credit history does not automatically disqualify you from 0 deposit car finance deals — we find lenders who look at your full circumstances.

What 0 deposit car finance deals are available?

We offer zero deposit finance on both HP (Hire Purchase) and PCP (Personal Contract Purchase). With HP, you own the car outright at the end of the agreement. With PCP, you have flexible options at the end — return it, trade it in, or pay a final balloon payment to own it.

Is no deposit car finance more expensive?

Your monthly payments will be slightly higher than if you put money down, because you’re financing the full cost of the car. However, you avoid a large upfront payment and keep your savings intact. The total cost depends on your APR and term length — we always find the best rate available for your credit profile.

How quickly can I get approved for 0 deposit car finance?

You can get an in-principle decision in 60 seconds. Full approval typically happens within hours, and many CarFinanced customers collect their car the same day or the next day.

Does applying affect my credit score?

No. Our initial eligibility check is a soft search, which 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’ll always tell you before that happens.

Can I get 0 deposit finance car deals on used cars?

Yes. Zero deposit car finance is available on both new and used cars through CarFinanced. Whether you want a brand new car or a quality second hand vehicle, we can arrange no deposit finance to suit your budget.

What are the minimum requirements for no deposit car finance?

To apply you must be 18 or over, a UK resident, and able to afford the monthly repayments. We consider all credit backgrounds — including bad credit, no credit history, CCJs, and defaults. There is no minimum income requirement, though lenders will assess affordability as part of 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

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.