Get your car finance first

Quick & Easy Car Finance

Any car | Any dealership | No deposit | Large panel of lenders | All circumstances

Home The Car Financer
Home The Car Financer
Home The Car Financer
Home The Car Financer

Get a quote

No obligation, no impact on your credit score

Rates from 8.9% APR. Representative APR 18.4%

Representative Example: Borrowing £7,500 over 48 months with a representative APR of 18.4%, the amount payable would be £216.45 a month, with a total cost of credit of £2889.60 and a total amount payable of £10389.60.

How this works

It’s really simply, make an easy, free application for finance. Our large panel of lenders only do soft credit searches so there is no impact on your credit.

Because we have a large panel of lenders, we can search the market and compare finance to we find your ideal car finance partner. Unlike dealerships who usually have only 1 or 2 lenders, we can access lots of different rates and products.

If you are happy with the quote we give you, it’s time to find a car. We are more than happy to help with this and can recommend hundreds of dealerships around the UK. Remember it’s completely free to use our services and there is no obligation.

1. Apply now

Tell us about yourself and how much you’re looking to borrow through the online. You’ll get a quick decision and one of our car buying experts will be in touch to discuss your options.

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2. Let’s find a car

If you already have a car in mind, that great. If not, we are a team of car experts and will find you your new car.

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3. Get on the road

Once you are happy and signed the paperwork, we’ll pay the dealer so all you need to do is pick up the car.

Home The Car Financer
Home The Car Financer

We’re finance experts

We work with a wide range of lenders, who we know and trust. This helps us get the very best vehicle finance deal for you.

Home The Car Financer

We’re vehicle experts

We’ve been in the vehicle finance business for over 20 years – we know our stuff. Find your own vehicle, or tap our knowledge, it’s up to you.

Home The Car Financer

We’re customer experts

We want you to be happy and we’ll do everything we can to make that happen. If you need some help, just ask.

Home The Car Financer

We’re finance experts

We work with a wide range of lenders, who we know and trust. This helps us get the very best vehicle finance deal for you.

Home The Car Financer

We’re vehicle experts

We’ve been in the vehicle finance business for over 20 years – we know our stuff. Find your own vehicle, or tap our knowledge, it’s up to you.

Home The Car Financer

We’re customer experts

We want you to be happy and we’ll do everything we can to make that happen. If you need some help, just ask.

Car finance lenders

As a broker with we work with a large panel of the most trusted UK car finance and loan lenders. This provides our customer’s with the highest chance of getting approved. 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, its completely free. We offer rates from 8.9% APR all the way through to 49.9% APR for people who are looking to rebuild their credit profile.

Home The Car Financer
Home The Car Financer

Car finance lenders

As a broker with we work with a large panel of the most trusted UK car finance and loan lenders. This provides our customer’s with the highest chance of getting approved. 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, its completely free. We offer rates from 8.9% APR all the way through to 49.9% APR for people who are looking to rebuild their credit profile.

Home The Car Financer
Home The Car Financer

Let’s get started

Let’s get started

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

Get a quote

No obligation, no impact on your credit score

Home The Car Financer

1. Apply now

Tell us about yourself and how much you’re looking to borrow. You’ll get a quick decision and one of our car buying experts will be in touch.

Home The Car Financer

2. Let’s find a car

If you already have a car in mind, that great. If not, we are a team of car experts and will find you a new car.

Home The Car Financer

3. Get on the road

Once the lender has done their final checks and if you can proceed, we’ll pay the dealer so all you need to do is pick up the car.

Home The Car Financer
Home The Car Financer

Our experts know the answer

Our experts know the answer

Car finance is a way for you to buy a new or used car by spreading the cost over a period of months. So, instead of having to pay everything upfront, you can split the cost into manageable amounts that are paid in regular monthly instalments.
There are three main types of car finance available through The Car Financer, the most popular of which is Hire Purchase, or HP as it’s more commonly known. The other financing options are Personal Contract Purchase (PCP) and Personal Loans.
If you see the term ‘guaranteed finance’, it’s important to remember that no one can guarantee your application will be successful until they’ve taken your personal details, noted which car you want and checked your credit file. All of these things will make a difference to your likelihood of being accepted or not, so when you see the words ‘guaranteed finance’, it’s usually a good reason to be cautious.

The traditional way of arranging car finance is to take out a finance plan from the dealer when you buy the car. But if you sort things out with The Car Financer before you get that far, you give yourself three big advantages:
You know exactly what you can afford before you get to the dealer – you’re negotiating from a position of strength
You’ve had the chance to make sure you’ve got a deal that’s right for you. Dealers usually offer only a limited number of finance providers
You save time. We can deliver a lending decision quickly, often within seconds of submitting your application. Then we can help you with the admin, paperwork and negotiations with the dealer.

Yes, we can help people with a less-than-perfect credit history. You may find that you’re not offered the great rates that someone with excellent credit history might get, but we may still be able to help you find a finance option to suit your circumstances.

We’re often able to help customers that have been refused elsewhere.

If you’ve applied somewhere else (such as a bank, car dealership or even another finance broker) and have not been successful, you might start to think that nobody can help. However, that doesn’t have to be the case. Some of the lenders we work with actually specialise in helping people with bad credit to get car finance, so we’ll try our best to find the right finance option for you.

Yes, you can choose a car from any reputable UK dealership or if your lender permits it, we can do private sales also.

Once you’ve found a car, you just need to share the details with your advisor and they’ll do the rest.

Car finance is a way for you to buy a new or used car by spreading the cost over a period of months. So, instead of having to pay everything upfront, you can split the cost into manageable amounts that are paid in regular monthly instalments.

There are three main types of car finance available through The Car Financer, the most popular of which is Hire Purchase, or HP as it’s more commonly known. The other financing options are Personal Contract Purchase (PCP) and Personal Loans.

If you see the term ‘guaranteed finance’, it’s important to remember that no one can guarantee your application will be successful until they’ve taken your personal details, noted which car you want and checked your credit file. All of these things will make a difference to your likelihood of being accepted or not, so when you see the words ‘guaranteed finance’, it’s usually a good reason to be cautious.

The traditional way of arranging car finance is to take out a finance plan from the dealer when you buy the car. But if you sort things out with The Car Financer before you get that far, you give yourself three big advantages:

-You know exactly what you can afford before you get to the dealer – you’re negotiating from a position of strength

-You’ve had the chance to make sure you’ve got a deal that’s right for you. Dealers usually offer only a limited number of finance providers

-You save time. We can deliver a lending decision quickly, often within seconds of submitting your application. Then we can help you with the admin, paperwork and negotiations with the dealer.

Yes, we can help people with a less-than-perfect credit history. You may find that you’re not offered the great rates that someone with excellent credit history might get, but we may still be able to help you find a finance option to suit your circumstances.

We’re often able to help customers that have been refused elsewhere.

If you’ve applied somewhere else (such as a bank, car dealership or even another finance broker) and have not been successful, you might start to think that nobody can help. However, that doesn’t have to be the case. Some of the lenders we work with actually specialise in helping people with bad credit to get car finance, so we’ll try our best to find the right finance option for you.

Yes, you can choose a car from any reputable UK dealership or if your lender permits it, we can do private sales also.

Once you’ve found a car, you just need to share the details with your advisor and they’ll do the rest.