Car finance in Edinburgh

  • 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
Edinburgh |
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Edinburgh car finance experts

Living in Edinburgh isn’t cheap. After all, the Old Town and New Town are both UNESCO World Heritage Sites, and Prince’s Street is arguably the most prestigious shopping area in Scotland.

With so much to attract visitors and residents alike, it is inevitable that house prices and the general cost of living are high in Edinburgh.So you want to make savings where you can. And with CarMoney helping you find car finance in Edinburgh, you can.

We just need a little information about how much you want to borrow and the ideal loan term.

We’ll then present you with the lenders that are most likely to approve your application. Even if you have bad credit, car finance in Edinburgh should be out of reach. And our checks won’t leave a mark on your credit file. So get a quote from CarMoney today.

Representative Example: Borrow £6,000 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 £9,247.84. 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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We compare the UK’s top car finance lenders so you don’t have to!

While there are excellent transport links throughout Edinburgh, including rail, bus and the famous trams, having a car is still a necessity in the city.

And you won’t need to worry about paying a premium when you look for car finance in Edinburgh.

We have the experience to find you the best deals, whether you are looking for car, motorbike or van finance in Edinburgh.

We know the world of car finance can be confusing, and it can be tempting to accept the finance offer from the dealership. However, this can mean you could be missing out on significant savings – especially when it can take minutes to get your application approved with CarMoney.

Don’t miss out on great savings on car finance in Edinburgh. Get a quote from CarMoney today.

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We cut the cost of car finance

Our team of car finance ninjas is led by Nikki, who works tirelessly to slash interest rates and save you money.

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 stand back, let Nikki do their work and prepare to save on car finance.

Frequently Asked Questions

How does car finance work in Edinburgh?

The mechanism of car finance in Edinburgh 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 Edinburgh?

HP car finance in Edinburgh 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 Edinburgh?

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

To be eligible for car finance in Edinburgh, 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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Edinburgh’s Preferred Car Finance Partner

As Edinburgh 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.