Compare Car Finance

  • Whether you have excellent or poor credit there are various car finance and car loan options available
  • Compare details using our credit slider below and get a free personalised quote today
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Zuto Car Finance
  • Buy a car from any reputable dealer
  • 70 finance options from 17 lenders
  • No broker fees
  • Free car history and value checks
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What is your credit profile? "Excellent"
  • Zuto (Excellent Credit) logo

    Zuto
    (Excellent Credit)

    Broker
    • Representative APR
      9.9% APR
    • Available Amounts
      £500 to £100,000
    • Min / Max Terms
      2 to 5 years

    Borrower Criteria

    • Must be aged 18 or over
    • Must be a UK resident
    • Bankruptcies not accepted
    • Must have an Excellent credit rating

    Vehicle Restictions

    • No restrictions on vehicle
  • CarFinance 247 (Excellent Credit) logo

    CarFinance 247
    (Excellent Credit)

    Broker
    • Representative APR
      10.5% APR
    • Available Amounts
      £2,000 to £150,000
    • Min / Max Terms
      1 to 5 years

    Borrower Criteria

    • Must be aged 18 or over
    • Must have 3 years residential history
    • Must have 12 months employment history
    • Must have Excellent credit rating

    Vehicle Restictions

    • Dependent on product and lender there could be vehicle criteria around mileage and age (this does not apply to personal loans)
  • My Car Credit (Excellent Credit) logo

    My Car Credit
    (Excellent Credit)

    Broker
    • Representative APR
      6.9% APR
    • Available Amounts
      £1,500 to £100,000
    • Min / Max Terms
      2 to 5 years

    Borrower Criteria

    • 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

    Vehicle Restictions

    • Less than 8 years old
    • Less than 100,000 miles
  • RAC Loans (Excellent Credit) logo

    RAC Loans
    (Excellent Credit)

    Broker
    • Representative APR
      9.9% APR
    • Available Amounts
      £1,000 to £35,000
    • Min / Max Terms
      1 to 7 years

    Borrower Criteria

    • Must be aged 21 or over
    • UK residents only
    • Homeowners and tenants accepted
    • Must have Good or Excellent credit rating

    Vehicle Restictions

    • No restrictions on vehicle.
  • Post Office Money (Excellent Credit) logo

    Post Office Money
    (Excellent Credit)

    Broker
    • Representative APR
      3.0% APR
    • Available Amounts
      £15,001 to £25,000
    • Min / Max Terms
      1 to 7 years

    Borrower Criteria

    • Must have been a UK resident for at least 3 years
    • Must be over 21 and no older than 70 when the loan term ends
    • Must be employed with a salary of £12,000 or over. If self employed you must have been so for over 2 years
    • Must have a good credit rating without a history of County Court Judgements or bankruptcy
    • Must have a UK based bank account or building society account that can pay direct debits

    Vehicle Restictions

    • No restrictions on vehicles
  • Find Me Car Finance (Excellent Credit) logo

    Find Me Car Finance
    (Excellent Credit)

    Broker
    • Representative APR
      10.5% APR
    • Available Amounts
      £3,000 to £50,000
    • Min / Max Terms
      1 to 5 years

    Borrower Criteria

    • Must be aged 23 or over
    • Must have a minimum income of £12,000 per annum
    • Must have an Excellent credit rating

    Vehicle Restictions

    • Maximum 10 years old and 100,000 miles at end of agreement
  • What Credit (Excellent Credit) logo

    What Credit
    (Excellent Credit)

    Broker
    • Representative APR
      6.85% APR
    • Available Amounts
      £1,000 to £80,000
    • Min / Max Terms
      1 to 5 years

    Borrower Criteria

    • 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

    Vehicle Restictions

    • 100,000 miles maximum mileage
    • Vehicle must be under 8 years old

Other Loans you may be interested in

  • Zuto (Good Credit) logo

    Zuto
    (Good Credit)

    Broker
    • Representative APR
      12.9% APR
    • Available Amounts
      £500 to £100,000
    • Min / Max Terms
      2 to 5 years

    Borrower Criteria

    • Must be aged 18 or over
    • Must be a UK resident
    • Bankruptcies not accepted
    • Must have a Good credit rating

    Vehicle Restictions

    • No restrictions on vehicle
  • CarFinance 247 (Good Credit) logo

    CarFinance 247
    (Good Credit)

    Broker
    • Representative APR
      13.2% APR
    • Available Amounts
      £2,000 to £150,000
    • Min / Max Terms
      1 to 5 years

    Borrower Criteria

    • Must be aged 18 or over
    • Must have 3 years residential history
    • Must have 12 months employment history
    • Must have good credit rating

    Vehicle Restictions

    • Dependent on product and lender there could be vehicle criteria around mileage and age (this does not apply to personal loans)
  • My Car Credit (Good Credit) logo

    My Car Credit
    (Good Credit)

    Broker
    • Representative APR
      9.9% APR
    • Available Amounts
      £1,500 to £100,000
    • Min / Max Terms
      2 to 5 years

    Borrower Criteria

    • 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

    Vehicle Restictions

    • Less than 8 years old
    • Less than 100,000 miles
  • RAC Car Loans (Good Credit) logo

    RAC Car Loans
    (Good Credit)

    Broker
    • Representative APR
      9.9% APR
    • Available Amounts
      £1,000 to £35,000
    • Min / Max Terms
      1 to 7 years

    Borrower Criteria

    • Must be aged 21 or over
    • UK residents only
    • Homeowners and tenants accepted
    • Must have Good or Excellent credit rating

    Vehicle Restictions

    • No restrictions on vehicle.
  • Find Me Car Finance (Good Credit) logo

    Find Me Car Finance
    (Good Credit)

    Broker
    • Representative APR
      13.2% APR
    • Available Amounts
      £3,000 to £50,000
    • Min / Max Terms
      1 to 5 years

    Borrower Criteria

    • Must be aged 23 or over
    • Must have a minimum income of £12,000 per annum
    • Must have a Good credit rating

    Vehicle Restictions

    • Maximum 10 years old and 100,000 miles at end of agreement
  • What Credit (Good Credit) logo

    What Credit
    (Good Credit)

    Broker
    • Representative APR
      12.9% APR
    • Available Amounts
      £1,000 to £80,000
    • Min / Max Terms
      1 to 5 years

    Borrower Criteria

    • 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

    Vehicle Restictions

    • 100,000 miles maximum mileage
    • Vehicle must be under 8 years old
  • Midland Credit (Good Credit) logo

    Midland Credit
    (Good Credit)

    Broker
    • Representative APR
      12.99% APR
    • Available Amounts
      £3,000 to £50,000
    • Min / Max Terms
      2 to 5 years

    Borrower Criteria

    • 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

    Vehicle Restictions

    • Dependent on the lender who approves the application there could be vehicle criteria around mileage and age (this does not apply to personal loans)

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.

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