Get a car loan with CarMoney

  • 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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Finding a way to finance your next car can be difficult. Do you choose to look at car loans or finance it through a dealer? Argh! Choices, choices, choices!

Finding a way to finance your next car can be difficult. Do you choose to look at car loans or finance it through a dealer? Argh! Choices, choices, choices!

It can be hard to figure out which is best for you. If you want to own the car outright, your best bet is with a car loan. At CarMoney, we do all the hard work of finding the right car loans for you!

We compare all of the top UK lenders to find the right deal for you. Simply tell us how much you wish to borrow and how long for and we’ll find the best deals – including many car loans with low APR (starting at just 7.9%!).

Discover how much you could be driving away with by using our car loan calculator.

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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We help you find the perfect car

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Simplify the car finance process

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Free check, no mark on your credit score

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What’s the difference between a car loan and car finance?

When it comes to financing a car, it can be difficult to know whether you should opt for car financing, or take out a car loan.

First, you must consider whether you want to own the car outright right away. If you don’t want to be tied to one car for a long time, then car financing is probably your best option as you can return the car at the end of the contract.

If you do want to own the car outright, then a car loan is for you. With a loan, you use the lump sum you’ve borrowed to pay for the car and as soon as it is paid, the car is yours. You then make regular repayments to the lender as agreed.~

CarMoney can help you find the car loan with the lowest rates. So, search online now.

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Why choose a car loan from CarMoney?

Nikki the Ninja is on hand to slash interest rates and find you the best deal on your car loan. And as stealth is a ninja’s most important weapon, our checks won’t leave a mark on your credit file. And that’s not the only reason to choose CarMoney to find car loans:

  • Burn rubber not cash – Save thousands buying your next car! Cheap car loans from 8.9% APR.
  • No speed bumps – No obligation, no hidden fees.
  • Fast Lane – Quick quote, free check, fast acceptance – get a decision within an hour.
  • You’re in the driving seat – We don’t steer you towards a particular lender.

And let’s not forget Nikki’s price promise! CarMoney will beat any car loan quote today – guaranteed! Find a better price on car finance and Nikki will beat it. See for yourself. Put us to the test now.

Frequently Asked Questions

What is a car loan?

A car loan is a type of loan that you can use to buy a car. Car loans are typically secured loans, which means that the lender has the right to repossess your car if you default on your payments.

How do car loans work?

When you apply for a car loan, the lender will consider your credit score, income, and employment history to determine whether or not to approve you for a loan. If you are approved, the lender will give you a certain amount of money to buy a car. You will then repay the loan over a period of time.

How to get a car loan?

When obtaining a car loan, it is advisable to conduct research, obtain pre-approval, evaluate the possibility of down payment, explore different options from various lenders, inquire about potential discounts, ensure you have the necessary documentation prepared, and thoroughly understand the terms and conditions associated with the loan.

Is car finance a personal loan?

Car finance refers to a specialised loan designed specifically for purchasing a car. Distinct from a personal loan, it typically involves higher interest rates and shorter repayment terms and necessitates a down payment.

How it works
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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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We’ll find your best deal

We’ll find you the best finance rate and ensure your new car is HPI checked from a good dealership!

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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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View our Video Testimonials

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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.