CarFinanced is a credit broker not a lender. Rates from 8.9% 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.
We work with trusted car finance partners only to provide you with the best options
How much would you like to borrow?
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 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
“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
“CarFinanced explained the finance agreement in detail which we were happy to sign after a few negotiations I to got the best finance deal! I LOVE my new Mercedes-Benz E Class all thanks to CarFinanced just in time for Christmas celebrations!!!”
Samuel Morrison
Happy customer
“Thank you CarFinanced. I applied and picked up my car within a few hours. Outstanding service from all the team.”
mohammed jamal
Happy customer
“Excellent service from start to finish. Dean was very helpful and answered all of my queries efficiently. Highly recommend!”
Lisa Smith
Happy customer
“Excellent service provided by Humera. She arranged the finance for my customer within minutes and is very responsive at all times. Good rates provided. Hopefully more to come!”
Basra Nori
Happy customer
“My Account Manager was absolutely first class. Was patient, knowledgeable and nothing was too much trouble. Can’t speak highly enough of her and is a credit to herself and her organisation”
Martyn Pearce
Happy customer
“Fantastic service from Adam. Very professional and polite making the whole experience 10/10”
Richard Dixon
Happy customer
How CarFinanced Works
Step 1: Get your perfect quote
Start by entering a few details about yourself and your finance requirements. We’ll provide personalised car finance quotes in minutes, so you can see your options clearly and compare plans without any pressure.
Step 2: Choose your finance plan
With your quotes in hand, explore different finance options like HP and PCP. Compare monthly payments, term lengths, and total costs to choose the plan that fits your budget and lifestyle.
Step 3: Collect your keys
Once approved, you’re ready to complete your application and hit the road in your new car or van. Simple, fast, and stress free.
Which car finance option is right for you?
Hire Purchase (HP)
With Hire Purchase, the car is secured against the finance, giving you fixed monthly payments and a clear path to ownership. Once you’ve made your final payment, the vehicle is yours.
Personal Contract Purchase (PCP)
Lower monthly payments with flexibility at the end of the agreement. You can return the car, part-exchange it, or pay the final balloon payment to own it.
Bad Credit Car Finance
We secure people car finance with bad credit, even if they’ve been refused in the past. Bad credit is defined differently depending on the credit reference agency you use.
No Deposit Car Finance
Car finance with zero deposit is actually more common than you think. With a whole host of lenders offering loan agreements with little or no money upfront.
Business Car Finance
Business car finance lets you spread the cost of a vehicle while keeping cash flow healthy. With flexible terms and potential tax advantages, you can drive a reliable car for your business without a large upfront expense.
Frequently Asked Questions
Am I eligible for car finance?
At CarFinanced, we allow everyone to check whether they are eligible to be approved for finance within a few minutes. Share some small details with us and our lenders will use that information to carry out a soft credit search to give you an answer with the best deals right away.
What if I have bad credit?
If you have a poor credit history, you can still apply for car finance. The company will look at your personal circumstances such as; Your employment status, age, income, loan amount, alongside your credit history. You will then receive your exact interest rates and payments.
Can I part-exchange my car as a deposit?
Yes! You can part-exchange your car as a deposit.
What is APR?
Annual percentage rate (APR) is the interest rate applied to your loan. Predominantly, it is the yearly cost of your borrowing. You will pay this on top of the sum that you have applied for. If you take out a long-term loan, the total amount payable will be more, as you will be paying interest for a longer amount of time.
Can I apply with a provisional license?
Yes, if the provisional is less than 3 years old.
How quick is the process?
Our average transaction takes less than 24 hours to complete from beginning until the end.
I am 17, can I get finance?
Unfortunately, you are legally required to be 18 years or over in order to take out car finance.
What is the difference between HP and PCP?
If you choose HP, you will own the car at the end of your finance term, whereas if you opt for PCP, you can either choose to hand the car back or pay a balloon payment determined by the final purchase price of the car.
Can my partner or other family member drive my car?
If you would like someone else to be able to drive your car, you may be able to add them as a named driver on your car insurance policy.
Do you provide car insurance?
With your permission, we can pass your details on to insurance companies who can provide this for you.
How long is the finance term?
Depending on the age of the car and the lender, between 12-72 months.
What are your minimum requirements to get a quote?
To be eligible for a quote, you need to be at least 18 years old, have a drivers license and earn at least £1000 per month.
