Car Finance
in 60 Seconds
CarFinanced helps UK drivers explore car finance options from a panel of lenders, with solutions for different credit circumstances and vehicle needs.
Explore car finance options for different credit circumstances.
Find a route that may suit your vehicle needs.
CarFinanced is a credit broker not a lender. Rates from 7.9% APR. 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.
Working with leading finance companies
We place applications with regulated lenders across the UK, so you get a real decision, not a guess.
Estimate your monthly car finance payments
Move the sliders to see an illustrative monthly payment for HP or PCP. It’s an estimate only — your real rate depends on your circumstances and a soft eligibility check.
- Example APR
- 12.9% rep.
- Amount borrowed
- £12,000
- Optional final payment
- £0
- Total cost of credit
- £3,312
- Total amount payable
- £15,312
Soft search · No impact on your credit score
Find the car finance that fits how you drive
HP, PCP, no deposit, bad credit or business car finance. Each route works differently, so here’s the short version with a full guide behind every option.
Hire Purchase Car Finance
Fixed monthly payments with ownership of the car after the agreement is completed.
Learn more
PCP Car Finance
Monthly finance with options at the end of the agreement, depending on the contract.
Learn more
No Deposit Car Finance
Finance options may be available without an upfront deposit, subject to status.
Learn more
Bad Credit Car Finance
Previous credit problems do not automatically mean car finance is unavailable.
Learn more
Business Car Finance
Finance options for eligible businesses, sole traders and self-employed applicants.
Learn moreCar finance made simpler in 3 steps.
Tell us a few details, compare the finance routes that may suit you, then complete the final checks and get ready for your next car.
Get your quote
Tell us about you, your budget and the vehicle you’re looking for so we can explore finance routes that may suit your circumstances.
Choose your finance plan
Compare HP, PCP and other available routes. Look at how the agreement works, the monthly structure and the path to ownership before deciding.
Collect your keys
Once the finance is agreed and the final checks are complete, you can move forward with the vehicle and get ready to collect the keys.
All credit scores considered
Whatever your credit history looks like, there may be more than one way to approach car finance. CarFinanced helps you explore options from a panel of lenders based on your circumstances, budget and vehicle needs, so you can understand the routes that may be available and move forward with clearer expectations.
Why drivers choose this
Built around a clearer car finance journey.
CarFinanced is a UK credit broker, not a lender. We help drivers understand their options, check eligibility and move forward with more confidence.
FCA regulated
CarFinanced operates as a regulated UK credit broker, helping connect applicants with finance options from its lender panel.
All credit scores considered
Different credit circumstances may be considered, including previous credit issues or limited credit history.
Soft eligibility check
Explore your options without an impact on your credit score at the initial eligibility-check stage.
Clear finance options
Understand the main finance routes available to you and what the next step looks like before moving forward.
Making car finance simple for 10,000+ customers
“I’ve bought many cars using finance companies in the past but none have been as good as CarFinanced. Special thanks for overseeing the process and ensuring I got the best deal on my new car.”
“Quick, simple process. My account manager was great throughout. Very helpful, professional and quick with responses to any questions I had.”
“CarFinanced explained the finance agreement in detail, which gave us confidence to move forward with the car.”
“Thank you CarFinanced. I applied and picked up my car within a few hours. Outstanding service from all the team.”
“Excellent service from start to finish. Everything was explained clearly and my questions were answered efficiently.”
“Excellent service. The team arranged the finance quickly and remained very responsive throughout the process.”
“My account manager was absolutely first class. Patient, knowledgeable and nothing was too much trouble.”
“Fantastic service. Very professional and polite, making the whole experience straightforward from beginning to end.”
Car finance questions, answered clearly.
Get quick answers about eligibility, credit checks, HP, PCP and what happens before you apply.
Previous credit problems do not automatically mean car finance is unavailable. Lenders may consider your wider circumstances, affordability and current financial position. Finance is subject to status.
Explore bad credit car finance →The initial CarFinanced eligibility check uses a soft search, so it does not affect your credit score at this stage. A lender may carry out further checks later if you choose to proceed.
Hire Purchase typically lets you spread the cost of a vehicle through fixed monthly payments. Once the agreement is completed and any required final fee is paid, ownership transfers to you.
Learn about HP finance →PCP usually combines monthly payments with a larger optional final payment. At the end of the agreement, your options depend on the contract and may include keeping, returning or changing the vehicle.
Learn about PCP finance →No-deposit options may be available for eligible applicants, subject to status, affordability and lender criteria. A deposit is not guaranteed to be unnecessary for every application.
Explore no deposit finance →There is no single credit score that guarantees approval. Different lenders use different criteria and may also look at affordability, income, credit history and your current circumstances.
Self-employed applicants can apply for car finance. Lenders may ask for evidence of income and will assess affordability and eligibility based on individual circumstances.
Self-employed car finance →Many regulated car finance agreements can be settled early. The amount required depends on your agreement and the settlement figure provided by the finance company.
Read the early settlement guide →The “50% rule” commonly refers to voluntary termination rights under certain regulated finance agreements. Your rights depend on the agreement and how much of the total amount payable has been paid.
Read the 50% rule guide →No. CarFinanced is a UK car finance credit broker, not a lender. We help applicants explore finance options from our lender panel. CarFinanced is FCA regulated under FRN 1014460.
Ready to see your car finance options?
Start with a soft eligibility check and explore what may be available based on your circumstances.
