Car finance in Cardiff

  • 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
Cardiff |
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We are car finance experts in Cardiff

Cardiff is home to a thriving broadcasting industry, with Doctor Who largely filmed in the city.

And while driving a TARDIS would be a great way to avoid traffic, we unfortunately don’t offer finance on time machines. What we do is find you the best deals on car, motorbike or van finance in Cardiff.

So whether you are looking for an electric, hybrid or traditional fuel vehicle – our ninjas will work tirelessly to find the right car finance for you.

We will slash interest rates on car finance in Cardiff and make sure you can reach the lenders that are most likely to approve your application.

This saves you time and money.

So get a quote for car finance in Cardiff today.

Representative Example: Borrow £7,000 with £1,000 deposit over 48 months with a representative APR of 17.9%, monthly payment would be £171.83, with a total cost of credit of £2,247.83 and a total amount payable of £8,247.83. 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%

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Decision within 1 hour

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Free check, no mark on score

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We believe everyone deserves to have access to a car

While there is a well developed public transport network, with Cardiff Central train station one of the busiest in the country, a car is a necessity if you want to see everything the city has to offer.

From the relaxing Bute Park to the stunning Cardiff Bay waterfront to the majestic Principality Stadium, the Welsh capital has something for everyone.

And owning your own car gives you the freedom to explore this wonderful city.

However, we understand that finding car finance in Cardiff can be confusing. That’s why we will do the hard work for you.

We just need a little bit of information about how much you want to borrow and for how long and we will find the car finance offers that are right for you. Our checks won’t affect your credit score.

Then you can choose the best deal. Even if you have a less than ideal credit history, we can find you bad credit car finance.

In Cardiff, and further afield, car finance from CarMoney will save you money every month.

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Our ninjas cut the cost of car finance

Nikki the Ninja leads our team of car finance ninjas.

Technically, a group of ninjas is called a clan but they prefer the word team. And having seen their skills with the katana, we’re not going to argue with them. Fortunately, those katanas are used to slash interest rates on car finance.

Other reasons to choose CarMoney are:

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

So let Nikki do their work and prepare to save on car finance.

Frequently Asked Questions

How does car finance work in Cardiff?

The mechanism of car finance in Cardiff 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 Cardiff?

HP car finance in Cardiff 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 Cardiff?

PCP, or Personal Contract Purchase, is a type of car finance that is popular in Cardiff. 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.

Eligibility requirements for car finance in Cardiff

To be eligible for car finance in Cardiff, 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
Nikki |

Cardiff’s Trusted Car Finance Partner

As Cardiff’s car finance experts, we offer competitive rates and tailored solutions to match the city’s unique spirit.

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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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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 17.9% 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.