How car finance works

How car finance works

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

Audi a5 Car
Audi a5 Car

Get a quote

No impact on your credit score

Get a quote

No impact on your credit score

Get a quote

No impact on your credit score

Rates from 5.9% APR. Representative APR 18.9%

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.

Step 1 - Make an application
Step 2 - Get a decision

2. Get approved

We have a 85%+ approval rate across all of our lending platform. Most decisions are made within less than 5 minutes.

3. Start your search

If you already have a car in mind, that great. If not, we are more than happy to help you find your new car.

Step 3 - Choose your car
Step 4- Sign

4. Sign your documents

Once you are happy with your quote, we will send over your paperwork on an e-sign.

5. 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.

Step 5 - Collect your car

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.

Step 1 - Make an application

2. Get approved

We have a 85%+ approval rate across all of our lending platform. Most decisions are made within less than 5 minutes.

Step 2 - Get a decision

3. Start your search

If you already have a car in mind, that great. If not, we are more than happy to help you find your new car.

Step 3 - Choose your car

4. Sign your documents

Once you are happy with your quote, we will send over your paperwork on an e-sign.

Step 4- Sign

5. 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.

Step 5 - Collect your car

The Car Financer

9B High Street, Congleton,

Cheshire, CW12 1BN

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. 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 financial-ombudsman.org.uk. For complaints information when a transaction is completed online, please also access the Online Dispute Resolution platform at http://ec.europa.eu/consumers/odr/

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, 9B High Street, Congleton, CW12 1BN. ICO registration number – ZA171810.