When you are looking a buying a new car we appreciate its can be difficult to save a deposit. Therefore, at The Car Financer we work with lenders that don’t require a deposit. This means that getting your dream car might be easier than you think. Even if you had a poor credit history, we still have lenders that can help you without needing a deposit upfront. If you have saved a deposit already that’s great news, as adding a deposit can reduce your monthly repayments and also the amount of interest you pay back.
We know that buying a car is a big decision, an expensive purchase and a large financial commitment each month. At The Car Financer we will aim to provide a service to help you find a car which suits your needs and also your budget. No deposit car finance is the best way to get your desired car quicker and still keep your monthly payments affordable.
Check out our car finance calculator to see how affordable your next car could be.
Who we can help get finance
Who we can help get finance
We help hundreds of people a month secure finance each month with good and bad credit. Each customer has their own unique set of circumstances. Our rates run run from 5.9% APR up to 49.9% APR and everything in between. Due to our extensive panel of lenders, we really can help people with all backgrounds, even the people who might have had issue with the below.
- Declined / refused in the past
- CCJs (County Court Judgements)
- IVAs (Individual Voluntary Agreements)
- Debt management plans
- No credit history
- Self Employed
Why 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!
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.
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.
Our customers love us
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.
- 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.
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.