Car finance made simple
Check your eligibility in 2 minutes. No obligation, no impact on your credit score.
- ✓No deposit needed
- ✓Soft search only — no impact on credit
- ✓Buy your car from any dealer
- ✓Instant decision in minutes
“Jamel was amazing from start to finish. Stayed consistent and communicated well with me.”
“Managed the purchase of my new car. It was a breeze! Talked me through the process.”
“A great experience with Carplus. Helped me from start to finish and found me a car the same day!”
“Found a car very quickly. The finance was easy — the lender was specific to my situation.”
“Excellent service from start to finish. Very professional and efficient. Highly recommended.”
“Massive thank you to Carplus for helping me get my first ever car. Made a stressful process easy.”
“I never thought I'd get a car in my own name with my credit score — Carplus made it possible.”
“First class. Very professional — if he couldn't answer he'd come back to me right away.”
“Can't fault this company. Been using them yearly for refinancing. Goes above and beyond.”
“Just magic! From a few clicks at midnight to a closed deal within 24 hours!”
“Jamel was amazing from start to finish. Stayed consistent and communicated well with me.”
“Managed the purchase of my new car. It was a breeze! Talked me through the process.”
“A great experience with Carplus. Helped me from start to finish and found me a car the same day!”
“Found a car very quickly. The finance was easy — the lender was specific to my situation.”
“Excellent service from start to finish. Very professional and efficient. Highly recommended.”
“Massive thank you to Carplus for helping me get my first ever car. Made a stressful process easy.”
“I never thought I'd get a car in my own name with my credit score — Carplus made it possible.”
“First class. Very professional — if he couldn't answer he'd come back to me right away.”
“Can't fault this company. Been using them yearly for refinancing. Goes above and beyond.”
“Just magic! From a few clicks at midnight to a closed deal within 24 hours!”
“Jamel was amazing from start to finish. Stayed consistent and communicated well with me.”
“Managed the purchase of my new car. It was a breeze! Talked me through the process.”
“A great experience with Carplus. Helped me from start to finish and found me a car the same day!”
“Found a car very quickly. The finance was easy — the lender was specific to my situation.”
“Excellent service from start to finish. Very professional and efficient. Highly recommended.”
“Massive thank you to Carplus for helping me get my first ever car. Made a stressful process easy.”
“I never thought I'd get a car in my own name with my credit score — Carplus made it possible.”
“First class. Very professional — if he couldn't answer he'd come back to me right away.”
“Can't fault this company. Been using them yearly for refinancing. Goes above and beyond.”
“Just magic! From a few clicks at midnight to a closed deal within 24 hours!”
“Jamel was amazing from start to finish. Stayed consistent and communicated well with me.”
“Managed the purchase of my new car. It was a breeze! Talked me through the process.”
“A great experience with Carplus. Helped me from start to finish and found me a car the same day!”
“Found a car very quickly. The finance was easy — the lender was specific to my situation.”
“Excellent service from start to finish. Very professional and efficient. Highly recommended.”
“Massive thank you to Carplus for helping me get my first ever car. Made a stressful process easy.”
“I never thought I'd get a car in my own name with my credit score — Carplus made it possible.”
“First class. Very professional — if he couldn't answer he'd come back to me right away.”
“Can't fault this company. Been using them yearly for refinancing. Goes above and beyond.”
“Just magic! From a few clicks at midnight to a closed deal within 24 hours!”
How car finance works
Apply in 2 minutes
Tell us the car you want, how much you want to borrow, and a monthly payment that fits your budget. We'll match you to the best deal from our panel of lenders.
Pick a car from any dealer
Once accepted, choose a new or used car — or part-exchange your current one — from a reputable UK dealer. We run the full checks for you.
Drive away the same day
Arrange same-day collection or home delivery. Get behind the wheel and enjoy your new car.
Car finance calculator
These estimates are for illustration only and are subject to credit checks and lender criteria. Your actual rate and monthly payment will depend on your personal circumstances.
Types of car finance we help with
Bad Credit Car Finance
CCJs, defaults or refused elsewhere? We work with specialist lenders who look at more than just your score.
Car Refinance
Switch your existing car loan to a better rate and reduce your monthly payments — no upfront fees.
No Deposit Car Finance
Drive away without putting anything down. Fixed monthly payments and no hidden fees.
PCP Car Finance
Low monthly payments with an optional final balloon payment. Great if you like to change cars every few years.
Hire Purchase (HP)
Fixed monthly payments — the car is yours at the end of the term. Simple and straightforward.
Low APR Car Finance
Great rates for good credit. We compare 15+ lenders to find you the cheapest APR you qualify for.
CCJ Car Finance
Got a County Court Judgment on your file? Our specialist lenders still say yes to many CCJ customers.
IVA Car Finance
On an Individual Voluntary Arrangement? We work with lenders who consider IVA customers for car finance.
Self-Employed Car Finance
Sole trader, contractor or limited company director? Get car finance built around real self-employed income.
HP vs PCP vs Personal Loan
| Finance feature | Hire Purchase (HP) | Personal Contract Purchase (PCP) | Personal loan |
|---|---|---|---|
| Requires initial deposit | Optional | Optional | × |
| Car is yours at the end | ✓ | Optional (balloon) | ✓ |
| Fixed monthly payments | ✓ | ✓ | ✓ |
| Optional final (balloon) payment | × | ✓ | × |
| Avoid excess mileage charges | ✓ | × | ✓ |
| Secured against the car | ✓ | ✓ | × |
| Support with vehicle issues | ✓ | ✓ | × |
| Available with bad credit | ✓ | ✓ | ✓ |
We work with 15+ trusted UK lenders
A smarter way to finance your next car
15+ lenders, 100+ deals
Access to a wide UK lender panel means we're more likely to find the right deal for you.
Soft search only
Getting a quote won't affect your credit score. A hard search only happens if you go ahead.
Tailored expert advice
UK-based advisers guide you at every step — by phone, WhatsApp or online.
Fast & efficient
Instant decisions in minutes and same-day delivery or collection once approved.