Car finance in Birmingham

  • 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
Birmingham |
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There is a lot to spend your money on in Birmingham.

Not only is there the iconic Cadbury’s factory for people with a sweet tooth, Birmingham is home to the Balti Triangle, with some of the UK’s best Indian restaurants calling Birmingham home.

With so much delicious cuisine to be sampled, you have to make savings somewhere. Luckily, if you are looking for car finance in Birmingham, CarMoney will work hard to find you the best deals possible – slashing interest rates and saving you money every month.

Given Birmingham’s thriving automotive sector, looking for car finance is even a way to support local industry. Jaguar Land Rover calls Birmingham home, and battery development for all sorts of electric cars also takes place nearby. Whatever sort of car you are looking for, we will work to find you the lowest car finance in Birmingham. All we need to know is how much you want to borrow, how long for and how your credit score looks. We’ll do the rest.

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



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Low Rate Deals From 8.9% APR

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Birmingham’s central location and excellent transport links means it is a convenient city for car owners.

The M6, the longest motorway in the UK, goes by Birmingham, linking the north and south of the country.

So if you are looking forward to getting your dream car, you can with car finance in Birmingham from Car Money.

We know that car finance can be just as confusing as Spaghetti Junction. That’s why our ninjas will do the legwork for you.

We will use your information to find the finance providers that are most likely to approve your application. Then your application can be approved in minutes.

Our checks won’t affect your credit score – and could save you money on car finance repayments every month.

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Nikki the Ninja and the team does everything they can to cut interest rates on car finance in Birmingham!

Nikki is sharpening their katana, ready to stealthily slash interest rates. While Nikki is famous for precision, you might want to give him some space. We want to cut the amount you pay – not your fingers.

And just look at why you should choose CarMoney for car finance in Birmingham.

  • Save thousands on your next car – APR from just 8.9% APR.
  • No obligation and no hidden fees
  • Instant quotes and fast approval
  • We won’t push you to a particular lender

Let Nikki find car finance is Birmingham with the lowest rates available. Then you can treat us all to a curry!

Frequently Asked Questions

How does car finance work in Birmingham?

The mechanism of car finance in Birmingham 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.

How does hp car finance work in Birmingham?

HP car finance in Birmingham is a loan structure where you repay the borrowed amount through monthly instalments. You become the car’s owner by the end of the agreed term. However, an arrangement fee might be applicable, and the interest rate can be relatively high.

How does pcp work in Birmingham?

PCP, or Personal Contract Purchase, is a type of car finance that is popular in Birmingham. It allows you to spread the cost of a new car over a fixed period of time, typically 24 or 36 months. At the end of the term, you have the option to return the car to the dealer, pay a final balloon payment to own the car outright, or part-exchange the car for a new one. The amount you pay each month on a PCP car finance deal in Birmingham will depend on a number of factors, including the price of the car, the deposit you put down, the length of the term, and the interest rate. You will also need to pay an annual road tax fee and insurance.

Eligibility requirements for car finance in Birmingham

To be eligible for car finance in Birmingham, you will typically need to be at least 18 years old, have a steady income, be employed, and have a good credit history. Lenders will also consider the price of the car you want to buy and the length of the loan term when deciding whether or not to approve you for car finance.

How it works
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Birmingham’s Premier Car Finance Partner

We’re local experts in Birmingham, with competitive rates and tailored car finance solutions to meet the city’s unique needs.

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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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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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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.