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  • Our comparison service features a number of brokers and providers who offer various car finance and car loan options
  • Find out more about how car finance works here.
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You are currently comparing ...

  • Broker
  • What Credit (Excellent Credit)

  • Representative APR
    6.85% APR
  • Available Amounts
    £1,000 to £80,000
  • Min/Max Terms
    1 to 5 years
  • See Deal + More Information
  • Borrower Criteria

    Vehicle Restictions

    • Must be aged 25 to 63
    • Must have a minimum monthly income of £1,000
    • Must have been employed in current job for 6 months
    • Must have full UK licence
    • Must have lived at current address for 12 months
    • Must not be self-employed
    • Must not be a taxi driver
    • Must not be a benefit recipient or carer
    • Must have an Excellent credit rating
    • 100,000 miles maximum mileage
    • Vehicle must be under 8 years old
    Start Now
  • Representative Example: Borrowing £7250 over 4 years with a representative APR of 6.85%, the amount payable would be £169.17 a month with a total cost of credit £870.16 and the total amount payable of £8120.16.
  • Broker
  • My Car Credit (Excellent Credit)

  • Representative APR
    6.9% APR
  • Available Amounts
    £1,500 to £100,000
  • Min/Max Terms
    2 to 5 years
  • See Deal + More Information
  • Borrower Criteria

    Vehicle Restictions

    • Must hold a UK/EU driving license
    • Must be over 18 years of age
    • Must be employed or self employed
    • Must have an Excellent credit rating
    • Less than 8 years old
    • Less than 100,000 miles
    Start Now
  • Representative Example: Borrowing £7,500 at a representative APR of 6.9%, annual interest rate (fixed) 6.9%, 47 monthly payments of £178.38 followed by 1 payment of £188.38, total cost of credit is £1,072.24, total amount payable is £8,572.24.
  • Broker
  • My Car Credit (Good Credit)

  • Representative APR
    9.9% APR
  • Available Amounts
    £1,500 to £100,000
  • Min/Max Terms
    2 to 5 years
  • See Deal + More Information
  • Borrower Criteria

    Vehicle Restictions

    • Must hold a UK/EU driving license
    • Must be over 18 years of age
    • Must be employed or self employed
    • Must have a Good credit rating
    • Less than 8 years old
    • Less than 100,000 miles
    Start Now
  • Representative Example: Borrowing £7,500 at a representative APR of 9.9%, annual interest rate (fixed) 9.85%, 47 monthly payments of £188.19 followed by 1 payment of £198.19, total cost of credit is £1,543.12, total amount payable is £9,043.12.
  • Broker
  • Zuto (Excellent Credit)

  • Representative APR
    9.9% APR
  • Available Amounts
    £500 to £10,0000
  • Min/Max Terms
    2 to 5 years
  • See Deal + More Information
  • Borrower Criteria

    Vehicle Restictions

    • Must be aged 18 or over
    • Must be a UK resident
    • Bankruptcies not accepted
    • Must have an Excellent credit rating
    • No restrictions on vehicle
    Start Now
  • Representative Example: Borrowing £7,000 over 48 months with a representative APR of 9.9%, the amount payable would be £176 a month, with a total cost of credit of £1,438 and a total amount payable of £8,438
  • Broker
  • CarFinance 247 (Excellent Credit)

  • Representative APR
    10.5% APR
  • Available Amounts
    £2,000 to £150,000
  • Min/Max Terms
    1 to 5 years
  • See Deal + More Information
  • Borrower Criteria

    Vehicle Restictions

    • Must be aged 18 or over
    • Must have 3 years residential history
    • Must have 12 months employment history
    • Must have Excellent credit rating
    • Dependent on product and lender there could be vehicle criteria around mileage and age (this does not apply to personal loans)
    Start Now
  • Representative Example: Borrowing £7,500 over 4 years with a representative APR of 10.5%, an annual interest rate of 10.5% and a deposit of £0.00, the amount payable would be: £190.31 a month, with a total cost of credit of £1,635.06 and a total amount payable of £9,135.06.
  • Broker
  • Citrus Loans (Bad Credit)

  • Representative APR
    12.9% APR
  • Available Amounts
    £13,000 to £25,000
  • Min/Max Terms
    1 to 5 years
  • See Deal + More Information
  • Borrower Criteria

    Vehicle Restictions

    • Must be 18 to 65 years old
    • Must be a UK resident
    • Must be employed
    • Must earn at least £800 per month
    • No restrictions on vehicle
    Start Now
  • Representative Example: Borrowing £13,000 over 5 years repaying £290 per month, total repayable £17,428, total interest payable £4,428. Annual Interest Rate 12.9% (fixed)
  • Broker
  • Zuto (Good Credit)

  • Representative APR
    12.9% APR
  • Available Amounts
    £500 to £100,000
  • Min/Max Terms
    2 to 5 years
  • See Deal + More Information
  • Borrower Criteria

    Vehicle Restictions

    • Must be aged 18 or over
    • Must be a UK resident
    • Bankruptcies not accepted
    • Must have a Good credit rating
    • No restrictions on vehicle
    Start Now
  • Representative Example: Borrowing £7,000 over 48 months with a representative APR of 12.9%, the amount payable would be £185 a month, with a total cost of credit of £1,885 and a total amount payable of £8,885.
  • Broker
  • What Credit (Good Credit)

  • Representative APR
    12.9% APR
  • Available Amounts
    £1,000 to £80,000
  • Min/Max Terms
    1 to 5 years
  • See Deal + More Information
  • Borrower Criteria

    Vehicle Restictions

    • Must be aged 25 to 63
    • Must have a minimum monthly income of £1,000
    • Must have been employed in current job for 6 months
    • Must have full UK licence
    • Must have lived at current address for 12 months
    • Must not be self-employed
    • Must not be a taxi driver
    • Must not be a benefit recipient or carer
    • Must have a Good credit rating
    • 100,000 miles maximum mileage
    • Vehicle must be under 8 years old
    Start Now
  • Representative Example: Borrowing £5000 over a 4 year term with a representative APR of 12.9% the amount payable would be £129.17 per month with a total cost of credit of £1200.16 and the total amount payable of £6200.16.
  • Broker
  • Midland Credit (Good Credit)

  • Representative APR
    12.99% APR
  • Available Amounts
    £3,000 to £50,000
  • Min/Max Terms
    2 to 5 years
  • See Deal + More Information
  • Borrower Criteria

    Vehicle Restictions

    • Must be aged 21 or over
    • Must have full UK or EU driving license
    • Must be employed or self-employed
    • Must have a Good credit rating
    • Dependent on the lender who approves the application there could be vehicle criteria around mileage and age (this does not apply to personal loans)
    Start Now
  • Representative Example: Borrowing £7,000 over 4 years with a representative APR of 12.99%, and a deposit of £0.00, the amount payable would be: £183.72 a month, with a total cost of credit of £1,818.60 and a total amount payable of £8,818.60
  • Broker
  • CarFinance 247 (Good Credit)

  • Representative APR
    13.2% APR
  • Available Amounts
    £2,000 to £150,000
  • Min/Max Terms
    1 to 5 years
  • See Deal + More Information
  • Borrower Criteria

    Vehicle Restictions

    • Must be aged 18 or over
    • Must have 3 years residential history
    • Must have 12 months employment history
    • Must have good credit rating
    • Dependent on product and lender there could be vehicle criteria around mileage and age (this does not apply to personal loans)
    Start Now
  • Representative Example: Borrowing £7,500 over 4 years with a representative APR of 13.2%, an annual interest rate of 13.2% and a deposit of £0.00, the amount payable would be: £199.21 a month, with a total cost of credit of £2,062.20 and a total amount payable of £9,562.20
  • Broker
  • My Car Credit (Fair Credit)

  • Representative APR
    13.9% APR
  • Available Amounts
    £1,500 to £100,000
  • Min/Max Terms
    2 to 5 years
  • See Deal + More Information
  • Borrower Criteria

    Vehicle Restictions

    • Must hold a UK/EU driving license
    • Must be over 18 years of age
    • Must be employed or self employed
    • Must have a Fair credit rating
    • Less than 8 years old
    • Less than 100,000 miles
    Start Now
  • Representative Example: Borrowing £7,500 at a representative APR of 13.9%, annual interest rate (fixed) 13.85%, 47 monthly payments of £201.38 followed by 1 payment of £211.38, total cost of credit is £2,176.24, total amount payable is £9,676.24.
  • Broker
  • What Credit (Fair Credit)

  • Representative APR
    16.8% APR
  • Available Amounts
    £1,000 to £80,000
  • Min/Max Terms
    1 to 5 years
  • See Deal + More Information
  • Borrower Criteria

    Vehicle Restictions

    • Must be aged 25 to 63
    • Must have a minimum monthly income of £1,000
    • Must have been employed in current job for 6 months
    • Must have full UK licence
    • Must have lived at current address for 12 months
    • Must not be self-employed
    • Must not be a taxi driver
    • Must not be a benefit recipient or carer
    • Must have a Fair credit rating
    • 100,000 miles maximum mileage
    • Vehicle must be under 8 years old
    Start Now
  • Representative Example: Borrowing £5000 over a 4 year term with a representative APR of 16.8% the amount payable would be £139.57 per month with a total cost of credit of £1699.36 and the total amount payable of £6699.36
  • Broker
  • CarFinance 247 (Fair Credit)

  • Representative APR
    18.3% APR
  • Available Amounts
    £2,000 to £150,000
  • Min/Max Terms
    1 to 5 years
  • See Deal + More Information
  • Borrower Criteria

    Vehicle Restictions

    • Must be aged 18 or over
    • Must have 3 years residential history
    • Must have 12 months employment history
    • Must have Fair credit rating
    • Dependent on product and lender there could be vehicle criteria around mileage and age (this does not apply to personal loans)
    Start Now
  • Representative Example: Borrowing £7,500 over 4 years with a representative APR of 18.3%, an annual interest rate of 18.3% and a deposit of £0.00, the amount payable would be: £216.12 a month, with a total cost of credit of £2,873.59 and a total amount payable of £10,373.59
  • Broker
  • Zuto (Fair Credit)

  • Representative APR
    18.5% APR
  • Available Amounts
    £500 to £100,000
  • Min/Max Terms
    2 to 5 years
  • See Deal + More Information
  • Borrower Criteria

    Vehicle Restictions

    • Must be aged 18 or over
    • Must be a UK resident
    • Bankruptcies not accepted
    • Must have a Fair credit rating
    • No restrictions on vehicle
    Start Now
  • Representative Example: Borrowing £7,000 over 48 months with a representative APR of 18.5%, the amount payable would be £202 a month, with a total cost of credit of £2,710 and a total amount payable of £9,710.
  • Broker
  • My Car Credit (Poor Credit)

  • Representative APR
    18.9% APR
  • Available Amounts
    £1,500 to £100,000
  • Min/Max Terms
    2 to 5 years
  • See Deal + More Information
  • Borrower Criteria

    Vehicle Restictions

    • Must hold a UK/EU driving license
    • Must be over 18 years of age
    • Must be employed or self employed
    • Must have a Poor credit rating
    • Less than 8 years old
    • Less than 100,000 miles
    Start Now
  • Representative Example: Borrowing £7,500 at a representative APR of 18.9%, annual interest rate (fixed) 18.85%, 47 monthly payments of £218.00 followed by 1 payment of £228.00, total cost of credit is £2,974.00, total amount payable is £10,474.00.
  • Broker
  • Citrus Loans (Bad Credit)

  • Representative APR
    18.9% APR
  • Available Amounts
    £10,000 to £12,999
  • Min/Max Terms
    1 to 5 years
  • See Deal + More Information
  • Borrower Criteria

    Vehicle Restictions

    • Must be 18 to 65 years old
    • Must be a UK resident
    • Must be employed
    • Must earn at least £800 per month
    • No restrictions on vehicle
    Start Now
  • Representative Example: Borrowiing £10,000 over 5 years, repaying £251 per month, total repayable £15,053, total interest payable £5,053. Annual Interest Rate 18.9% (fixed)
  • Broker
  • Midland Credit (Fair Credit)

  • Representative APR
    18.99% APR
  • Available Amounts
    £3,000 to £50,000
  • Min/Max Terms
    2 to 5 years
  • See Deal + More Information
  • Borrower Criteria

    Vehicle Restictions

    • Must be aged 21 or over
    • Must have full UK or EU driving license
    • Must be employed or self-employed
    • Must have a Fair credit rating
    • Dependent on the lender who approves the application there could be vehicle criteria around mileage and age (this does not apply to personal loans)
    Start Now
  • Representative Example: Borrowing £7,000 over 4 years with a representative APR of 18.99%, and a deposit of £0.00, the amount payable would be: £201.22 a month, with a total cost of credit of £2,658.60 and a total amount payable of £9,658.60
  • Broker
  • Aspire Money (Bad Credit)

  • Representative APR
    20.6% APR
  • Available Amounts
    £10,000 to £25,000
  • Min/Max Terms
    1 to 5 years
  • See Deal + More Information
  • Borrower Criteria

    Vehicle Restictions

    • Must be 18 to 65 years old
    • Must be a UK resident
    • Must be employed
    • Must earn at least £800 per month
    • No restrictions on vehicle
    Start Now
  • Representative Example: Annual Interest Rate (fixed) is 20.6% p.a. with a Representative APR of 20.6% based on borrowing £10000 and repaying over 36 monthly repayments. Monthly repayments £365.94 with the total amount repayable £13173.95 and the total interest payable will be £3173.95.
  • Broker
  • Citrus Loans (Bad Credit)

  • Representative APR
    22.5% APR
  • Available Amounts
    £1,500 to £9,999
  • Min/Max Terms
    1 to 5 years
  • See Deal + More Information
  • Borrower Criteria

    Vehicle Restictions

    • Must be 18 to 65 years old
    • Must be a UK resident
    • Must be employed
    • Must earn at least £800 per month
    • No restrictions on vehicle
    Start Now
  • Representative Example: Borrowing £9,500 over 2 years, repaying £486 per month, Total repayable £11,656, total interest payable £2,156. Annual Interest Rate 22.5% (fixed).
  • Broker
  • Zuto (Poor Credit)

  • Representative APR
    22.9% APR
  • Available Amounts
    £500 to £100,000
  • Min/Max Terms
    2 to 5 years
  • See Deal + More Information
  • Borrower Criteria

    Vehicle Restictions

    • Must be aged 18 or over
    • Must be a UK resident
    • Bankruptcies not accepted
    • Must have a Poor credit rating
    • No restrictions on vehicle
    Start Now
  • Representative Example: Borrowing £7,000 over 48 months with a representative APR of 22.9%, the amount payable would be £216 a month, with a total cost of credit of £3,368 and a total amount payable of £10,368
  • Broker
  • CarFinance 247 (Bad Credit)

  • Representative APR
    27% APR
  • Available Amounts
    £2,000 to £75,000
  • Min/Max Terms
    1 to 5 years
  • See Deal + More Information
  • Borrower Criteria

    Vehicle Restictions

    • Must be aged 18 or over
    • Must have 3 years residential history
    • Must have 12 months employment history
    • Dependent on product and lender there could be vehicle criteria around mileage and age (this does not apply to personal loans)
    Start Now
  • Representative Example: Borrowing £7,500 over 4 years with a representative APR of 27.0%, an annual interest rate of 27.0% and a deposit of £0.00, the amount payable would be: £245.10 a month, with a total cost of credit of £4,264.80 and a total amount payable of £11,764.80.
  • Broker
  • Midland Credit (Poor Credit)

  • Representative APR
    27.99% APR
  • Available Amounts
    £3,000 to £50,000
  • Min/Max Terms
    2 to 5 years
  • See Deal + More Information
  • Borrower Criteria

    Vehicle Restictions

    • Must be aged 21 or over
    • Must have full UK or EU driving license
    • Must be employed or self-employed
    • Must have a Poor credit rating
    • Dependent on the lender who approves the application there could be vehicle criteria around mileage and age (this does not apply to personal loans)
    Start Now
  • Representative Example: Borrowing £7,000 over 4 years with a representative APR of 27.99%, and a deposit of £0.00, the amount payable would be: £227.47 a month, with a total cost of credit of £3,918.60 and a total amount payable of £10,918.60
  • Broker
  • My Car Credit (Bad Credit)

  • Representative APR
    29.9% APR
  • Available Amounts
    £1,500 to £100,000
  • Min/Max Terms
    2 to 5 years
  • See Deal + More Information
  • Borrower Criteria

    Vehicle Restictions

    • Must hold a UK/EU driving license
    • Must be over 18 years of age
    • Must be employed or self employed
    • Must have a Bad credit rating
    • Less than 8 years old
    • Less than 100,000 miles
    Start Now
  • Representative Example: Borrowing £7,500 at a representative APR of 29.9%, annual interest rate (fixed) 29.85%, 47 monthly payments of £254.69 followed by 1 payment of £264.69, total cost of credit is £4,735.12, total amount payable is £12,235.12.
  • Broker
  • What Credit (Poor Credit)

  • Representative APR
    29.9% APR
  • Available Amounts
    £1,000 to £80,000
  • Min/Max Terms
    1 to 5 years
  • See Deal + More Information
  • Borrower Criteria

    Vehicle Restictions

    • Must be aged 25 to 63
    • Must have a minimum monthly income of £1,000
    • Must have been employed in current job for 6 months
    • Must have full UK licence
    • Must have lived at current address for 12 months
    • Must not be self-employed
    • Must not be a taxi driver
    • Must not be a benefit recipient or carer
    • Must have a Poor credit rating
    • 100,000 miles maximum mileage
    • Vehicle must be under 8 years old
    Start Now
  • Representative Example: Borrowing £7250 over a 4 year term with a representative APR of 29.9% the amount payable would be £235.63 per month with a total cost of credit £4060.24 and the total amount payable of £11310.24
  • Broker
  • Aspire Money (Bad Credit)

  • Representative APR
    34.2% APR
  • Available Amounts
    £7,000 to £9,999
  • Min/Max Terms
    1 to 5 years
  • See Deal + More Information
  • Borrower Criteria

    Vehicle Restictions

    • Must be 18 to 65 years old
    • Must be a UK resident
    • Must be employed
    • Must earn at least £800 per month
    • No restrictions on vehicle
    Start Now
  • Representative Example: Annual Interest Rate (fixed) is 34.2% p.a. with a Representative APR of 34.2% based on borrowing £7000 and repaying over 36 monthly repayments. Monthly repayments £296.32 with the total amount repayable £10667.40 and the total interest payable will be £3667.40
  • Broker
  • Zuto (Bad Credit)

  • Representative APR
    34.5% APR
  • Available Amounts
    £500 to £100,000
  • Min/Max Terms
    2 to 5 years
  • See Deal + More Information
  • Borrower Criteria

    Vehicle Restictions

    • Must be aged 18 or over
    • Must be a UK resident
    • Bankruptcies not accepted
    • Must have a Bad credit rating
    • No restrictions on vehicle
    Start Now
  • Representative Example: Borrowing £7,000 over 48 months with a representative APR of 34.5%, the amount payable would be £252 a month, with a total cost of credit of £5,102 and a total amount payable of £12,102.
  • Broker
  • Midland Credit (Bad Credit)

  • Representative APR
    36.99% APR
  • Available Amounts
    £3,000 to £50,000
  • Min/Max Terms
    2 to 5 years
  • See Deal + More Information
  • Borrower Criteria

    Vehicle Restictions

    • Must be aged 21 or over
    • Must have full UK or EU driving license
    • Must be employed or self-employed
    • Dependent on the lender who approves the application there could be vehicle criteria around mileage and age (this does not apply to personal loans)
    Start Now
  • Representative Example: Borrowing £7,000 over 4 years with a representative APR of 36.99%, and a deposit of £0.00, the amount payable would be: £253.72 a month, with a total cost of credit of £5,178.60 and a total amount payable of £12,178.60.
  • Amigo Guarantor Loan

  • Representative APR
    49.9% APR
  • Available Amounts
    £500 to £10,000
  • Min/Max Terms
    1 to 5 years
  • See Deal + More Information
  • Borrower Criteria

    Vehicle Restictions

    • Borrower criteria:
    • Must be aged 18-75
    • Must be a UK resident
    • Must not be on an active bankruptcy, IVA or equivalent
    • Guarantor criteria:
    • Must be aged 18-75
    • Must be a UK resident
    • Must have a good credit history
    • Tenants and homeowners accepted
    • No restrictions on vehicle
    Start Now
  • Representative Example: Borrowing £4000 over 36 months, repaying £195.16 per month, total repayable £7,025.76. Interest rate 49.9% (variable). Representative 49.9% APR (variable).
  • Broker
  • What Credit (Bad Credit)

  • Representative APR
    49.9% APR
  • Available Amounts
    £1,000 to £15,000
  • Min/Max Terms
    1 to 5 years
  • See Deal + More Information
  • Borrower Criteria

    Vehicle Restictions

    • Must be aged 25 to 63
    • Must have a minimum monthly income of £1,000
    • Must have been employed in current job for 6 months
    • Must have full UK licence
    • Must have lived at current address for 12 months
    • Must not be self-employed
    • Must not be a taxi driver
    • Must not be a benefit recipient or carer
    • Must have a Bad credit rating
    • 100,000 miles maximum mileage
    • Vehicle must be under 8 years old
    Start Now
  • Representative Example: Borrowing £4000 over a 3 year term with a representative APR of 49.9% the amount payable would be £195.16 per month with a total cost of credit £3025.76 and the total amount payable of £7025.76
  • Broker
  • Aspire Money (Bad Credit)

  • Representative APR
    49.9% APR
    (£500 to £6,999)
  • Available Amounts
    £500 to £6,999
  • Min/Max Terms
    1 to 5 years
  • See Deal + More Information
  • Borrower Criteria

    Vehicle Restictions

    • Must be 18 to 65 years old
    • Must be a UK resident
    • Must be employed
    • Must earn at least £800 per month
    • No restrictions on vehicle
    Start Now
  • Representative Example: Annual Interest Rate (fixed) is 49.9% p.a. with a Representative APR of 49.9% based on borrowing £3000 and repaying over 36 montly repayments. Monthy repayments £146.39 with the total amount repayable £5269.91 and the total interest payable will be £2269.91.

These providers offer a number of products for the purpose of purchasing a car including car finance secured on the vehicle. This means your car may be at risk if you do not keep up repayments.

Our comparison table features a selection of providers from who we receive commission. This table is initially ordered by Representative APR. You can use the options above the table to order it according to various criteria.

Car Finance FAQs

What is Car Finance?

If you can't afford a car outright, but can spread the cost over a period of months from your regular income, then a car financing scheme could be an option. These come in various forms and set ups with different associated costs, depending on each scheme.

Broadly they follow the same structure: you pay a certain amount as deposit, and the remaining value of the car on an agreed upon interest rate, is spread over a period of months. The finance is secured against the car, which means you do not own the car until the finance agreement ends.

Where can I get Car Finance from?

Car dealers and manufacturers offer car finance options, but you can shop around for great deals yourself in advance of your car purchase.

Can I get a Personal Loan for my car?

A personal loan will allow you to buy your car with money loaned to you. This means that unlike car finance, you will own the car from the outset. The loan amount and interest rate will be based on your credit score.

What types of Personal Loans are available to buy a car?

The terms of your loan will depend on your circumstances, your credit rating, and the type of plan you choose. Here are a few types of personal loan available for your car purchase:

  • Personal unsecured loan: This type of loan is a standard personal loan, with no security required and are available from many providers, not just banks.
  • Personal secured loan: This approach will mean stumping up a significant asset, such as your home, as security against the loan.
  • Personal guarantor loan: This promises that a friend or relative will take over the payments if you default. An option if you have a low credit rating.

What types of Car Finance are available to buy a car?

Here are the main payment plans you are likely to find on the market:

  • Hire Purchase: The straightforward finance option. The finance company purchases the car, and you hire the car from them. Your monthly repayments repay the total amount owed and you have the option to own the car at the end
  • Conditional Sale: Very similar to hire purchase, except you are contractually obliged to become the owner of the car at the end of the payment scheme.
  • Personal Contract Plan: Again, set up like hire purchase but you are only repaying part of the total amount due. At the end of the finance agreement the remaining amount can be paid in a lump sum (balloon payment). There are options around handing the vehicle back at the end, but also sometimes restrictions around the mileage and condition of the car.
  • Personal Leasing: A fixed term car rental scheme usually applicable to brand new cars and typically runs for 2-4 years, at which point the car returns to the leasing company. This option can work for those who like to regularly update their car and enjoy the associated benefits of having a new vehicle.

How do I choose which form of car finance to use?

The scheme you choose will depend on your personal circumstances: your credit rating, the amount of money you have to spend, and whether or not you want to own the car immediately or at all.

Manufacturers and dealers are infamous for not offering you the best deal available, so make sure you explore all the options beforehand to find out which is the right deal is for you.