Can I Apply for Car Finance with Good Credit?

Written by Tim Carpenter November 10, 2015 Edited on November 10, 2015

Do you have good credit? That’s great news, as we work with lenders that can help those with good credit, and they can offer some very competitive rates on car finance.

As we work with a large panel of lenders, we are able to search the market to find the most suitable (and cost-attractive) deal for your individual circumstances.

We can consider all personal and financial circumstances. For example, we are often able to help the self-employed, agency workers, students and part-time workers too.

At CarFinance 247, you are free to choose a car from any reputable dealership in the UK, so you aren’t stuck with having to choose a car from a particular dealership (like you would be if you accepted a dealer finance package).

Your new vehicle doesn’t have to be a car either – we can offer finance on vans, motorbikes and motorhomes too. We can accept part exchange too – although a deposit isn’t mandatory.

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Rates from 9.9% APR. Representative APR 19.9%

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My monthly budget is

Get my quote

Rates from 8.9% APR. Representative APR 19.9%

My monthly budget is

Get my quote

Rates from 8.9%: the exact rate you will be offered will be based on your circumstances, subject to status.

Representative example: borrowing £10,000 over 5 years with a representative APR of 19.9%, an annual interest rate of 19.9% (Fixed) and a deposit of £0.00, the amount payable would be £255.50 per month, with a total cost of credit of £5,329.80 and a total amount payable of £15,030.

We look to find the best rate from our panel of lenders and offer you the best deal that you're eligible for. We earn a commission for providing our services, but this does not influence the interest rate you’re offered in any way.

Amount to borrow

To pay over

5 years

Assuming your credit profile is:

Total cost of credit	£ 2000
Total repayment	£ 2000

48 monthly
payments of

£ 245 98

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Rates from 9.9%: the exact rate you will be offered will be based on your circumstances, subject to status.

Representative example: borrowing £25,000 over 48 months, £3,750.00 deposit, on PCP, with annual mileage of 8,000pa, and a representative APR of 11.9%, an annual interest rate of 11.9% (Fixed), the amount payable would be £394.51 per month, an optional final payment of £7,194.33, with a total cost of credit of £9,912.36 and a total amount payable of £28,444.33.

We look to find the best product from our panel of lenders and will offer you the best deal that you’re eligible for. We earn a commission for providing our services, but this does not influence the interest rate you’re offered in any way.

Can't find the right answer?

Our Manchester based team are ready to help you.

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CarFinance 247 Ltd.,
Universal Square,
Devonshire Street North,
Manchester,
M12 6JH,

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* The UK's largest online car finance broker by unique users to the website. Based on Similar Web data – 1,137,647 to CarFinance 247 vs. 753,819 for nearest competitor. January to June 2023.

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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