FREE Delivery Available

  • No Deposit Needed
  • We help find you the perfect car
  • PCP and HP from 5.9% APR
  • Free car history and dealer quality check
Get a Quote
Does not affect credit score
(1,178 reviews)
Over £982 million in loans approved in last 12 months
HP Finance
Estimate your credit score and how much you'll pay based on the amount you want to borrow.
PCP Finance
PCP consists of paying an initial deposit, followed by monthly payments.

Representative Example: Borrow £7,000 with £1,000 deposit over 48 months with a representative APR of 14.9%, monthly payment would be £163.87, with a total cost of credit of £1,865.76 and a total amount payable of £7,865.76.

CarMoney is a broker not a lender

What our customers say

  • I was incredibly happy to find out about CarMoney, I was really worrying about how to afford a car after my previous one was written off and with having a low credit score I was so worried with what to do. Ross gave me a call one afternoon to discuss the option of finance with me and he was so pleas...

    on 26 Apr
  • Ryan Anderson made the upmost effort in making sure finance was quickly and efficiently sorted in time for viewing and collection of my vehicle. I can’t thank him enough and he made sure I got my dream car at a very good price!

    on 26 Apr
  • CarMoney was recommended to me by a friend and I am as impressed as they were with the quality of service received. I will recommended them to all my friends and use them again in the future.

    on 17 Apr
  • I was recommended Carmoney by a friend and I can't fault their service, Laura was extremely help full and found the perfect car and finance for my needs.

    on 17 Apr
  • Having only passed my driving test in the past couple of years, this wa my first experience of buying a car on finance. The process was easy from start to finish. I found the car I wanted and my ninja, Mark Pottage, took care of thr rest. He was friendly and informative throughout the whole process....

    on 10 Apr
  • A big thanks to carMoney to help get me back on the road. especially “Rebecca Stewart was amazing from start to finish,even when I was choosing the right car, She was never pushy,she was very helpful and professional throughout the process within 3 days, such an easy and good affordable inte...

    on 06 Apr
  • CarMoney were amazing! Got the fund paid directly to the dealer in 1 day, very quick and easy process. I would definitely recommend the ninjas! I now have my shiny new car

    on 01 Apr
  • Brilliant service Craig Gemmell the ninja was very helpful and made the whole process very easy and stress free. It was also a very quick process and easy to understand. Would highly recommend CarMoney. Chris B

    on 31 Mar
  • Brian Thomson was always on the case, very patient and communicated updates regularly. Some of the process was a little slow on the lenders side due to restrictions on a contract, but Brian helped me find the perfect car that has turned out to be even better than the first. I am delighted with CarMo...

    on 10 Mar
  • I’d just like to say thank you to Amber MacLean the ninja that helped me get finance and a lovely new car she was brilliant kind and her customer service was amazing so thank you and I will definitely be recommending your services

    on 04 Mar

We get 75% of applications approved

See how it works
  • Apply online in 2 mins

    Quickly and easily apply online. It only takes 2 minutes to provide all the information we need to get you a car finance decision.

  • We’ll find your best deal

    We’ll find you the best finance rate and ensure your new car is HPI checked from a good dealership!

  • You drive away happy

    We'll sort all the details and you just decide when to collect your new car… or we can deliver it to you!

Get a Quote
Does not affect credit score

We compare the best deals from over 20 lenders

  • BNP Paribas
  • Alphera
  • Blue Motor Finance

Any questions?

Can I get Finance with Bad Credit?

Poor credit history can severely affect your chances of securing any sort of loan/financial service. 

Those with a lower credit score are less likely to get competitive rates and may even be refused a loan by some of the lenders. There are, however, ways of getting approved for credit even with a poor credit score, and there are things you can do to improve your score too: 

1. Get a Credit Report

A credit report is a good place to start, as it will show you in detail your credit history including your overall score. It will give you an idea of where you’re going wrong and what you can do to improve your chances of getting  finance. You can access a copy of your credit report for free from Experian, Equifax or Callcredit.

2. Register on Electoral Roll

If you haven’t already, make sure you register on the electoral roll. Finance companies look at this when they perform credit checks to see if your name and address match up. If you’re registered on the electoral roll, it makes it easier for finance companies to carry out these checks. Being registered won’t transform your credit rating, but it does help and it’s easy to do.

3. Keep up repayments

This may seem obvious, I know but even making sure you pay a phone bill every month or pay off a credit card (if applicable). Small steps are the best ways to gain the trust of the lenders!

4. Keep Applications to a Minimum

The more applications you put in, the more ‘Hard Searches’ will be done on your credit score. If you have a low score and frequently get declined, this can severely affect your score in a negative way. Initially, an eligibility check, or ‘Soft Search’, is a much better idea than a formal application. While it won’t tell you for certain if a finance company will offer you a loan, it will give you a good indication, and it won’t appear on your credit history. 

If you wish to read more answers to common questions in this area, why not have a look at: Car Finance with Bad Credit | CarMoney

What is Bad Credit?

Bad credit is simply when you have a history of not paying bills, or perhaps you have not had time to build up a substantial credit score. 

Your credit score consists of five main factors:

  • Payment history
  • Total amount owed 
  • Length of credit history
  • Types of credit
  • New credit


If you have a history of not making payments, building up debt, and making multiple payment commitments you cannot afford then you will be considered higher risk and will have a lower credit score. Even just being under 21 puts you at a disadvantage, as you haven’t had time to build up a decent Credit Score, all of these will therefore mean you are less likely to be accepted by lenders for finance. 

If you wish to read more answers to common questions in this area, why not have a look at: Car Finance with Bad Credit | CarMoney

Can I trade-in/part-exchange my car that's on finance?

A common question we get asked! The answer to this question is yes and it doesn't matter whether you have a car on Hire Purchase (HP) or Personal Contract Purchase (PCP), the process is simple. There are a few steps you will need to take in order to do this:

Get a settlement figure from your current lender. Then, find out the value of your car with any valuation tool. All you will need is your registration. Next, time for a tiny bit of maths, subtract the settlement figure from your car's valuation price. This will equal the amount of equity available in your car. If you have a positive figure, great news! You can use this amount of money as a part exchange for your next car. However, if the figure is negative, you'll need to pay that amount of money on top of your new car's price. 

Read more on the subject - Selling a Car that is on Finance | CarMoney

Why buy with CarMoney?

1. Our team of expert ninjas can help you even if you haven’t found a car yet! With dealerships up and down the nation, we are sure we will find something to your liking!

2. Your designated Ninja will guide you through the process and answer any questions you may have. They are well trained and keen as a bean to get you the best possible finance rates!

3. We provide some of the most competitive rates from our panel of lenders that can cover even someone with a poor credit score.

4. We provide you with impartial quotes from trusted lenders and don't push you into a certain deal!

5. We will deliver the car to your door (if you need it) without you having to leave the comfort of your armchair!

What is Negative Equity?

Negative equity is a concept that normally relates to property – falls in house prices can leave owners in a position where they owe more on their mortgage than their home is currently worth. This issue can, for example, present difficulties for anyone who’s thinking about selling a financed car.

When a car slips into negative equity while on finance, it can cause issues. Find out what exactly this means and how to minimize any problems with CarMoney.

Car Finance with Negative Equity | CarMoney

What paperwork will I need?

You will need a few things to hand when completing an application:

Licence: You will need to at least have a provisional/full UK licence on hand in order to make an application. 
Employment status: If you are employed, you will be required to submit payslips from the last 3 months (sometimes more depending on the lender).
Residency: You will need to have proof of address, some kind of utility bill, or a formal document that has your name and address on it. Make sure you send the entire doc, not just the address.
Passport: You will need a form of photo ID that isn’t a driver's licence, usually a passport.

See all FAQs

We compare the UK's best car finance - fast! Saving you thousands!

When you’re buying a car, you want to know how much you can afford to borrow. And you need to know that you’re getting a great rate. All too often, that information can be hard to come by. Or is unreliable. 

But not if you leave everything to CarMoney and our helpful ninjas. Simply let us know what kind of car you want to buy, and tell us a little bit about yourself. We’ll credit check your eligibility with the UK's top lenders and get you approved with a great rate - fast! We compare over 20 of the UKs top lenders so you can be sure that you are getting the best rate loan around. No jargon, and no misinformation here.

A car finance acceptance with us will give you the confidence that you need to walk into the dealership and drive off in the car you really wanted to buy; free from uncertainty and the stress of haggling. We will do all the paperwork and CarMoney finance is accepted at our network of over 12,000 trusted car dealers across UK.

Get a Quote
Does not affect credit score