Get your car finance first

Get your car finance first

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

Landing Page The Car Financer
Landing Page The Car Financer
Landing Page The Car Financer
Landing Page 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.

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.

Landing Page The Car Financer
Landing Page The Car Financer
Landing Page 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.

Landing Page 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.

Landing Page 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.

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

Landing Page The Car Financer
Landing Page The Car Financer

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 financial-ombudsman.org.uk

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.