Car finance in London

  • 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
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Everyone knows that living in London can be pretty expensive.

Rent is high, buying a home is extortionate and even buying a cuppa can cost a fair bob. What do you expect – it is the capital of the UK after all. Many know it for its beautiful sites and attractions. It is even home to a number of celebrities.

But just because you live in London, doesn’t mean you have to pay the premium price for car finance. In fact, CarMoney sources the lowest car finance in London by comparing the leading lenders.

All you need to do is tell us how much you wish to borrow and how long for and we will find the best HP and PCP in London.

We’ll search the car finance market to find you the best deals. And with the stealth of a ninja, we won’t leave a mark on your credit report.

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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We compare from over 20 lenders

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Decision within 1 hour

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Keep your credit score unaffected

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Why get London car finance?

While many Londoners use public transport such as the tube and buses to get about the capital, people still rely on their cars, be it for work or leisure.

But London drivers needn’t worry about forking out for finance for their next car. Whether you are buying new or used, you can save on car finance in London from CarMoney.~

We know that the world of car finance can be confusing. That’s why the team of ninjas at CarMoney do all the legwork for you. All you have to do is simply type in how much you want to borrow, how long you want to borrow it for and we do the rest! We find the best deals on HP and PCP in London, with rates starting as low as 8.9% APR.

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Why choose London car finance from CarMoney?

Nikki the Ninja is on hand to slash interest rates. And we won’t just save you money – we’ll save you time. We’ll show you the finance providers that are most likely to approve your application – even if you are looking for bad credit car finance in London.

And that’s not all:

  • Save thousands buying your next car! Cheap car loans from 8.9% APR.
  • No obligation, no hidden fees.
  • Quick quote, free check, fast acceptance.
  • We don’t steer you towards a particular lender.

Get a quote from CarMoney and you could be approved for car finance in London within an hour.

Frequently Asked Questions

How does car finance work in London?

The mechanism of car finance in London 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 London?

HP car finance in London 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 London?

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

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

We know the challenges of city living. Our London car finance solutions are convenient, flexible, and competitively priced.

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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 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.