Good Credit 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
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A good credit score means you can demonstrate a long-established credit history with mortgages, loans and credit cards with very few missed payments.

Getting car finance with a good credit score should be straightforward. After all, a good credit score indicates that you can usually expect to be accepted when applying for finance. It also means you can shop around for the best deals. While getting car finance with a good credit score should be easy, having a lot of options to choose from means you really need to look at the details to decide which finance option is right for you.

Looking for a no guarantor car loan? Contact CarMoney today.

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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The Benefits of Car Finance With A Good Credit Score

Being able to exhibit a good credit score will help greatly when it comes to financing a car. With CarMoney, car finance with a good credit score means you are likely to be offered good deals.

Good credit car finance loans with CarMoney typically start at a very good rate of 8.9% APR. These lower rates of interest obviously save you money on the purchase of a new car, but also make it easier for you to continue building your good credit rating. Keep up the good work and you could be looking at an excellent credit rating.

With all this in mind, there couldn’t be a better time to consider financing a car using your well-earned good credit rating. At CarMoney, we can take your good credit rating and use it to track down the very best finance offers on the market.

Our checks won’t leave any mark on your credit report, so your good credit score stays good.

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Why Choose CarMoney’s Good Credit Car Finance Service

At CarMoney, we seek to help you get behind the wheel of a brand new car with our car finance deals. And with a good credit rating, we can present you with the best deals on the market.

Our ninjas have helped so many car finance applicants with good credit scores to track down the very best car finance rates. We stick to our unbiased, fast and no-fuss good credit car finance service to help you drive away your dream car.

Test drive our online car finance calculator and no obligation application form and discover how much car finance with good credit you could receive today.

Frequently Asked Questions

What is good credit car finance?

Good credit car finance is a type of car finance that is available to people with good credit. Good credit is generally considered to be a credit score of 700 or higher.

Who is eligible for good credit car finance?

The eligibility criteria for good credit car finance vary from lender to lender. However, most lenders will look at your credit score, income, and employment history when deciding whether or not to approve you for a loan. You may not need to make a down payment, but even if you do, it is likely to be relatively small.

How do I find a lender that offers good credit car finance?

Several lenders offer good credit car finance. Our ninjas will check across our network of trusted lenders to find the best deals that match your needs and circumstances.

What are the benefits and drawbacks of good credit car finance?


  • You can get a car loan at a competitive interest rate.
  • You may not need to make a down payment.
  • You may be able to get a longer loan term, which will lower your monthly payments.
  • You may be eligible for additional benefits, such as gap insurance or extended warranties.


  • If you default on your payments, the lender could repossess the car.
How it works
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Competitive Interest Rates

Our interest rates for customers with good credit are among the most competitive in the market, so you can be confident that you’re getting a great deal on your car loan.

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Wide Network of Lenders

Our extensive network of lenders gives you a wide range of car finance options, making you more likely to find the best deal for your needs.

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Quick Approval Process

Our quick and easy application and approval process can get you pre-approved for a car loan in minutes, making your car-buying experience a breeze.

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.