Car finance
Car finance
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Car Finance
No Deposit Deals
- No deposit
- Rates from 9.9% APR
- Buy your car from any dealer
My monthly budget
*A hard credit check will be conducted if you proceed with your quote and this could impact your credit score.
Rates from 9.9% APR. Representative 19.9% APR. Hire Purchase (HP) Example: Borrow £10,000 over 5 years with a £0 deposit. Representative APR 19.9% fixed rate. Monthly payment: £255. Total cost of car finance: £5,329. Total amount repayable: £15,329. Car Finance+ is a credit broker not a lender.
How Car Finance Works?
- ( 01 )
To Apply & to get accepted
Decide on the car you want to buy and the amount you'd like to borrow. Once your application is submitted, our panel of lenders will provide you with the best available offer.
- ( 02 )
Pick a car from any dealer
After approval, choose a new, used, or part exchange vehicle from a trusted dealer. We'll handle all necessary background checks on the car for you.
- ( 03 )
Drive away the same day
Arrange a same-day vehicle collections and drive away happy!
Types of Car Finance Options
| Car Finance Comparison | PCP Personal Contract Purchase | HP Hire Purchase |
|---|---|---|
| Pricing | ||
| Vehicle Price | £10,000 | £10,000 |
| Deposit | £1000 | £0 |
| Amount Borrowed | £9,000 | £10,000 |
| Terms | ||
| Duration of Agreement | 48 months | 48 months |
| Annual Mileage Limit | 8,000 miles | |
| Total Amount Payable | £7,121.44 | £12,616.80 |
| Total Interest | £3,782.67 | £2,616.80 |
| Optional Balloon Payment | £6,661.23 | |
| Monthly Payment | £127.53 | £262.85 |
Personal Contract Purchase (PCP)
- Vehicle Price: £10,000
- Deposit: £1,000
- Amount Borrowed: £9,000
- Representative APR: 11.9%
- Duration of Agreement: 48 months
- Monthly Payments: £127.53
- Optional Final Balloon Payment: £6,661.23
- Total Amount Payable: £7,121.44
- Annual Mileage Limit: 8,000 miles
- Excess Mileage Charge: 14.9p per mile
How it Works:
- Deposit: £1,000 deposit upfront.
- Monthly Payments: 48 monthly payments of £127.53.
- Optional Final Payment: either pay £6,661.23 to own the car, return the car, or trade it in for a new vehicle.
- Total Cost: including the deposit, monthly payments, and optional final payment, is £7,121.44
- Mileage: 8,000 miles per year. If you exceed this, you’ll pay 14.9p per extra mile.
Car Finance Calculator
Must be between £100 to £10,000 and difference between borrow and deposit must be £5,000
These estimates are subject to credit checks and may change when you apply for finance. this is for example purposes only
Hire Purchase (HP)
APR 14.9%60 monthly payments of
£0
- Interest rate
- 14.9% APR
- Amount of interest
- £0
- Total payment
- £0
Personal Contract Purchase (PCP)
APR 14.9%60 monthly payments of
£0
- Optional final payment
- £0
- Interest rate
- 14.9% APR
- Amount of interest
- £0
- Total payment
- £0
Rates from 9.9% APR. Representative 19.9% APR. Hire Purchase (HP) Example: Borrow £10,000 over 5 years with a £0 deposit. Representative APR 19.9% fixed rate. Monthly payment: £255. Total cost of car finance: £5,329. Total amount repayable: £15,329. Car Finance+ is a credit broker not a lender.
Types of Car Finance
Why Car Finance+
- 14+ lenders on panel
- No deposit car finance
- Flexible monthly repayments
- Bad credit finance specialists
- Instant decision
Hire Purchase (HP) finance
- Fixed low interest rates
- No deposit car finance deals
- Part exchange deals with affordable options
Personal Contract Purchase (PCP) finance
- Low interest rates
- Low monthly repayments
- Trade in or replace for a new PCP deal
- No annual mileage restrictions
Bad credit car finance
- Bad credit considered
- No deposit deals for customers with poor credit
Will I get accepted for car finance?
At Car Finance+ we have access to top car finance companies, meaning that you have good chances of being accepted for a car loan at the best rate.
Who can apply
- Age between 18 and 75 years
- UK resident for at 3 years
- Monthly income of £1,000+
Get car finance with confidence
Get your car finance
Compare car finance deals with no impact on your credit score.
Rates starting from 9.9% APR.
Buy a car from any dealer
Once approved, collect or get your vehicle delivered to you.
Car Finance+ quality assured
We’ll do a thorough car check, full-service history and dealer check. Buy with confidence.
Frequently Questions That
Customers Ask Us
( 01 ) Who can get car finance?
If you're looking to finance a car, there are a few things you need to know. First of all, who can get car finance? Well, if you're aged between 18 and 70 years old, have been a UK resident for 1 year+ and have a monthly income of at least £1,000, then you could get approved for a car loan.
( 02 ) How to use your online car finance calculator?
The next thing you need to know is how does car finance calculator work? It's actually really simple. You just put the amount you want to borrow and the length of time you want to repay it over into our online car finance calculator and it will show you your monthly repayments. You can also use the car finance calculator to see how much money you could save by paying off your loan early. Just enter the amount of money you want to pay off each month and it will show you how much time and money you could save. So, if you're looking for car finance, make sure you come to Carfinanceplan first. We could help you get the best deal on your loan.
( 03 ) Can I buy my car from any dealer?
If you're looking to purchase a car, you can choose from any reputable dealer. This gives you a wide range of options when it comes to finding the perfect vehicle for your needs. Plus, we have over 100,000 cars listed on our car search. So, you're sure to find the perfect car for you. Once you've found a car, simply share the details with your car finance advisor and they'll take care of the rest. With this process, you can easily buy your dream car without any hassle.
( 04 ) What documents do you need to finance a car?
When you're ready to finance your next car, the team at our dealership will be more than happy to help. We'll need to see your driving licence, proof of income and proof of address. All checks will be done digitally and we should have an answer for you within minutes. So don't hesitate to get in touch and let us help you drive away in your dream car!
( 05 ) Will car finance affect my credit score?
If you're considering taking out a car loan, you may be wondering if getting a quote from us will impact your credit score. The answer is no - getting a quote from us won't have any effect on your credit score whatsoever. So feel free to get in touch with us and get a quote without worrying about it impacting your credit score in any way.
( 06 ) Can I get car finance with no credit history?
You're still eligible to apply for car finance if you don’t have a credit history, but that doesn’t mean you’ll definitely be accepted.
( 07 ) Can I get guaranteed car finance for bad credit?
Whether you'd be approved are based on factors like affordability and credit score. Whether you have an IVA, CCJ, or bad credit, you won't be able to apply for guaranteed car finance because it simply doesn't exist. Car finance will only be offered once the appropriate checks have been done on an application. You can still apply to see if you’re accepted.