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  • No Deposit Needed
  • We help find you the perfect car
  • PCP and HP from 5.9% APR
  • Free car history and dealer quality check
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Does not affect credit score
( 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

  • Mr William Thomson here, I was dealing with Nicky what an absolute legend he was he made everything simple for me it was super easy he sent me multiple cars to choose from that led to me picking the car I could only dream of owning at 20! So to Nicky thank you for everything mate this is a big step ...

    on 10 Dec
  • Have to say I couldn't be happier with CarMoney, Arran went above and beyond to help me buy my dream car. Many thanks.

    on 18 Sep
  • Can’t thank Gary enough when trying to get my new car, very helpful throughout the process and can’t recommend him enough for anyone looking for finance, thanks again mate appreciate it 👍 highly recommend car money

    on 20 Aug
  • Excellent services, very fast and easy. Will always recommend Carnmoney to anyone around me. Also very big thank you to Mr. Sunny @car lane Ltd. He is an exceptional customer rep, so patience and a good listener.

    on 05 Aug
  • Car money Are absolutely brilliant I’ve never seen so much organise and good teamwork and kept me up-to-date and informed with everything they are on the ball they were straight on it no messing around compare to my last company that I had a car from Payments absolutely fantastic better than w...

    on 27 Jul
  • First time using the internet to buy a car. Got to admit it was super easy. My Ninja Mark was really helpful and actually took his time in locating our new car. Add on top the sorting of finance it made the whole process quick, stress free and really exciting. I highly recommend Carmoney for your ne...

    on 17 Jul
  • Very easy very quick very obliging, well mannered, curteous nothing too much trouble only problem I had was the car I collected hadn't been serviced and could have been valeted and washed better, other than that very pleased

    on 01 Jul
  • Absolutely fantastic service! I cannot fault CarMoney! Sharon is an asset to CarMoney. Extremely polite and cannot do enough for you! 10/10 service guys! Absolutely smashed it! 🚘

    on 28 Jun
  • Absolutely fantastic service friendly and efficient... Even with me being a pain me picking a car is like watching a kids in a sweet shop. Can't recommend them enough. THANK YOU so much guys

    on 26 Jun
  • 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

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.

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Does not affect credit score