Car Finance

Car Loans | CarFinance 247
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No impact on your credit score
Rates from 7.9% APR. Representative APR 20.7%
Car Loans | CarFinance 247
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Rates from 7.9% APR: the exact rate you will be offered will be based on your circumstances, subject to status.

Representative example: borrowing £6,500 over 5 years with a representative APR of 20.7%, an annual interest rate of 20.7% (Fixed) and a deposit of £0.00, the amount payable would be £168.48 per month, with a total cost of credit of £3,608.67 and a total amount payable of £10,108.67.

We look to find the best rate from our panel of lenders and will offer you the best deal that you’re eligible for. We don’t charge a fee for our service, but we do earn a commission. This does not influence the interest rate you’re offered in any way.

Am I eligible for car finance?

If you’ve found it tough to find finance in the past or have never applied before, you’re probably wondering whether you’re eligible for car finance.

There’s no need to be nervous; even if you’re looking for car finance for bad credit, we can let you know if you’re likely to be eligible in a matter of minutes. And you can find out with no impact on your credit score – we’ll only run a hard search if you choose to progress your application further.

Whatever you think could affect your eligibility – including CCJs, payment arrears, or not having a deposit – we’ll take away the guesswork and let you know whether one of the lenders on our panel might be able to help.

How to check my car finance eligibility

First things first, head over to our car finance calculator. Here you can enter how much you’re looking to borrow and how long you’d like to have to pay it back. The calculator will work its magic and give you an estimate of your monthly repayments depending on your credit rating.

Then it’s time to get a quote. Complete our application form in as much detail as you can. We understand that you might not know exactly how much you’d like to borrow at this stage but the more accurate you can be, the easier it is for us to find out whether you’ll be eligible for car finance or not.

Once you’ve submitted your form, we’ll do the rest. We’ll take your requirements to our panel of lenders, run a soft search on your credit file (which won’t affect your score), and let you know if you’ve been approved in principle. Ready to take the next step? Your dedicated account manager will give you a call to talk through the details and help you find the right car for you.

Why come to us for your car finance?

For us, used car finance is all about helping people improve their everyday lives.

Whether it’s sorting out the school run, getting that big boot for the big shop, or just a car you’re proud to park outside the office, we work to get the right car finance deal for you.

Thanks to our panel of lenders, you could find you are eligible for car finance if you have good credit, bad credit, or somewhere-in-between credit.

Plus, you’ll have a dedicated account manger on hand to help you through the process.

What happens next? How to apply for car finance

Whether you’re looking for a Peugeot on PCP, a Hyundai on HP, or a personal loan for a Land Rover, we could help!

It starts with a quote. If you’re eligible and approved in principle, your account manager will give you a call to talk through your options. No strings attached. They can answer any questions you have and grant you access to our car search – a treasure trove of over 100,000 used cars ready and waiting to find a home. Found a car somewhere else? We can still help – just let your account manager know.

Ready to start?

Applying with us only takes a couple of minutes and won't affect your credit score

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* The UK's number one online car finance broker by unique users to the website. Based on Hitwise data – 1,746,657 to CarFinance 247 vs. 666,020 for nearest competitor. January to December 2019.

96% of our customers recommend us: † Based on feedback left on independent review site Reviewcentre. May 2019.

CarFinance 247 is a trading name of CarFinance 247 Limited. Registered office: Universal Square, Devonshire Street North, Manchester, M12 6JH. Registered in England. (Registration Number 06035525).

CarFinance 247 is authorised and regulated by the Financial Conduct Authority for insurance distribution and credit broking (Firm Reference Number: 653019). CarFinance 247 is registered with the ICO (Registration Number Z1897658).

Finance is subject to status and is only available to UK residents aged 18 and over. Written quotations are available on request.

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