Get your car finance first

Get your car finance first

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

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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.

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Why The Car Financer

Home The Car Financer

We will sort your finance

At The Car Financer we pride ourselves on being finance and car experts. We have access to a large panel of lenders to find the best deal for you and no impact on your credit score when you apply!

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We can help you find a car

As we have been in the industry for 20+ years, we know a thing or two about cars. You are more than welcome to find your own car, or if you need some help, we can help you source one for you.

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We are with you every step

From making an initial enquiry, completing the app form, getting a quote, finding a car, driving it away, and the years after your purchase. We are with you every step of the way if you need us.

Let’s get you 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

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.

The Car Financer

Riverside, Mountbatten Way, Congleton,

Cheshire, CW12 1DY

E [email protected]

T 01625 324 444

F 01625 324 443

Company details

Our services

Car finance

The Car Financer is a trading style of The Vehicle Financer LTD. The Vehicle Financer LTD is authorised and regulated by the Financial Conduct Authority (FRN: 834015). We act as a credit broker not a lender. We can introduce you to a limited number of lenders who may be able to offer you finance facilities for your purchase. We will only introduce you to these lenders. We may receive a commission payment from the finance provider if you decide to enter into an agreement with them.  The nature of this commission is as follows: we receive either a fixed fee per finance agreement entered into, or we receive a commission based on a percentage of the total amount of finance taken by the customer. You can request for us to disclose the amount of any commission received. The commission received does not affect the amount you will pay under your finance agreement. You may be able to obtain finance for your purchase from other lenders and you are encouraged to seek alternative quotations. If you would like to know how we handle complaints, please ask for a copy of our complaints handling process. You can also find information about referring a complaint to the Financial Ombudsman Service (FOS) at

The Car Financer is a credit broker and not a lender. Rates from 5.9% APR. 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 £2,889.60 and a total amount payable of £10,389.60.

All finance is subject to status and income. Written quotations are available on request. Our advisors are all SAF (Specialist Automotive Finance) approved. The Vehicle Financer is a limited company registered in England and Wales. Registered number: 9970074. Registered office: The Vehicle Financer, Riverside, Mountbatten Way, Congleton, CW12 1DY. ICO registration number – ZA171810.