Car Finance

  • No Deposit
  • We help find you the perfect car
  • PCP and HP from 8.9% APR
  • Free car history and dealer quality check
Get a Quote Does not affect credit score
Car Finance |
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There are a lot of decisions to be made when buying a car. What make or model do you want? What will you be using the car for? Do you want to pay a deposit? How often do you think you’ll change your car?

The answers to these questions will influence what sort of car finance is right for you. At CarMoney, we can guide you through the market, as well as finding you the best cars on finance.

Representative Example: Borrow £6,000 with £1,000 deposit over 48 months with a representative APR of 18.1%, monthly payment would be £172.36, with a total cost of credit of £2,273.28 and a total amount payable of £9,273.28. CarMoney Limited can introduce you to a limited number of finance providers based on your credit rating and we will receive a commission for such introductions this can either be a % of the amount borrowed or a flat fee. This does not influence the interest rate you’re offered in any way. CarMoney is a broker not a lender


All Car Finance Services

About Car Finance

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Hire Purchase

This is a simple and popular option when applying for finance. It involves you hiring a vehicle from a finance company for an agreed time period. During the finance agreement, you will make monthly repayments.

The lender can repossess the car if you miss payments. But after you’ve made the final payment, the vehicle is yours. You own it outright.

In short: Higher payments. You can own the car after a final payment.

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Personal Contract Purchase

With PCP finance, you pay only the depreciation of the value of the vehicle. Not its full value. This means the monthly payments will be lower. You’ll need to pay a lump sum or balloon payment at the end of the agreement if you want to own the car.

The lender can repossess the car if you miss payments.

In short: Lower payments. You can change cars more often without the hassle. A lump sum is needed to secure ownership.

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How much can you borrow?

If you aren’t sure how much you can afford to borrow, the CarMoney car finance calculator can help.

Getting a copy of your credit report helps, along with our estimate, will show you how much you can expect to pay each month.

This will let you quickly see the effect of paying a deposit on your monthly payments.

When looking to finance a car with CarMoney, you can get a decision within an hour.

At CarMoney we will collect some very basic personal details so that we can conduct a soft credit search. Using all the stealth you would expect from a ninja, this leaves no mark on your credit record. 

This check allows us to rank lenders that are most likely to accept your application. This helps give you the most transparent way of making a decision.

At CarMoney, we provide some of the best car financing deals around, whatever your credit score is.

Your credit rating is an estimate of your ability to make repayments. This is calculated based on your credit history. 

It is good to keep an eye on your Credit Rating, particularly if you are looking to take out car finance. 

The better your credit rating, the better rates you are likely to be offered.

We appraise all of the car dealerships that we work with to ensure that you, the customer, have the best experience possible. 

The dealerships we work with are expected to offer a high level of customer service when both purchasing your new car and after the sale. 

This means that there may be some car dealerships that we recommend against using. In these cases, we will try to find an alternative car of the same spec to the one you have found.

Contact CarMoney, or apply for car finance today.

Frequently Asked Questions

How does car finance work?

The mechanism of car finance involves making monthly payments over a predetermined duration. The choice of finance option will impact the payment amount. It is essential to possess a favourable credit score for approval and carefully review the loan agreement before signing it.

Can I refinance my car?

Refinancing can be a money-saving option if you possess a good credit score and have equity in your car. It is advisable to explore different options and obtain quotes from various lenders. Additionally, considering a secured loan can be beneficial, and getting pre-approval before beginning your car shopping process is recommended.

Can I sell a car on finance?

Selling a car under finance is possible, but it is crucial to understand the legal obligations involved. Obtain a settlement figure from your lender, incorporate it into the sale price, and inform your lender about the sale. It is important to be transparent with the buyer regarding the remaining balance and be prepared to negotiate.

What paperwork will I need for car finance?

The documentation required for car financing can differ but generally consists of verification of your identity, address, income, employment, vehicle information, and deposit. Collecting the necessary documents, ensuring their relevance to the current period, and reviewing your credit score is advisable. Additionally, be ready to respond to inquiries regarding your financial situation.

How it works
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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

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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!

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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!

Join thousands of happy customers

Our customers love our CarMoney Ninjas

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CarMoney Ninja Sean

“Great service, Sean Davidson was great and was always trying to help and give me the easiest experience possible. Thank you very much Sean.”

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CarMoney Ninja Alan

“Alan, who I spoke with on the phone, was amazing! He sorted everything out for me, it was so easy and was able to get my car the very next day. Fantastic!”

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CarMoney Ninja Sophie

“Sophie who sorted my finance out for car was amazingly nothing was too much trouble for her always kept me up to date. Five stars Sophie. Thanks for everything”

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CarMoney Ninja Ellie

“My ninja from start to finish Ellie McGavin I Needed a car it was complete from picking to collecting within 2 days friendly staff great communication brilliant.”

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CarMoney Ninja James

“Excellent professional and courteous service nothing too much trouble James was thoroughly committed to helping me source my car”.

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CarMoney Ninja Frazer

“Frazer from car money made the experience of getting a car simple and easy. Would definitely recommend to family and friends. Thanks again CarMoney!”

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We Compare the best deals from over 20 lenders

CarMoney LIMITED is authorised and regulated by the Financial Conduct Authority (FCA) for consumer credit activity and our registration number is 674094. Representative 18.1% APR. Over 18’s only. CarMoney IS A BROKER NOT A LENDER.

REGISTERED ADDRESS: Pioneer House, 2 Renshaw PL, Motherwell, ML1 4UF, Scotland.Company Number: SC467274.

All finance is subject to status and income. Written Quotation on request. CarMoney Limited can introduce you to a limited number of finance providers based on your credit rating and we will receive a commission for such introductions.