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Personal Car Loan

Get a quote No impact on your credit score

Rates from 6.9% APR. Representative APR 25.4%

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9.2 out of 10
£
4 Years
Best available rate XX% APR
Total cost of credit £ XXX.XX
Total repayment £ XX,XX.XX
48 monthly
payments of
£ 245 98

Representative example: borrowing £7,500 over 4 years with a representative APR of 25.4%, an annual interest rate of 25.4% (Fixed) and a deposit of £0.00, the amount payable would be £239.77 per month, with a total cost of credit of £4,008.96 and a total amount payable of £11,508.96

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What’s the difference between a personal loan and other types of car finance loan?

The main difference is that a personal loan is not secured on the car – it’s totally separate, so you can sell the car at any time during the loan period. The car can’t be repossessed if you fail to make your payments, but the debt still applies and you will have to repay it.

Is it right for me?

Personal loans are ideal if you’re looking to use some of the loan to cover extras in addition to the car, including road tax and insurance. Personal loans tend to be suitable for those with good or fair credit histories, with few or no financial problems in the past - missed mortgage payments, defaults or CCJs, for instance.

Consider all the options first

Before committing to any one finance option it is well worth considering all the choices open to you. Our qualified account managers will help. They understand car finance in detail, and it’s their job to use that knowledge to find a finance option that suits your individual needs and preferences.

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