Car Finance – Instant Decision

  • 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
Approved |
Nikki Image

In the fast-paced world of today, instant decisions have become an integral part of many aspects of our lives. Car financing is no exception.

Buying a new car is an exciting experience and one that shouldn’t be delayed while waiting for finance decisions.

We understand that when you see your dream car, you want it as quickly as possible. After all, you don’t want someone else swooping in and snapping up your car while you are waiting for a finance decision.

Reduce the risk of missing out on your dream car with instant decision car finance options. With CarMoney car finance, instant decisions are available to speed up the car buying process.

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.



Speed Icon |

Decision Within 1 Hour

Protected Icon |

Keep Your Credit Score Unaffected

Icon |

Choose Any Dealer Across the UK

Nikki with chronometer |

When it comes to car finance, the instant decision really means you will get a decision within a few minutes of submitting your loan application.

This is through the use of automated underwriting systems that will assess your credit score and financial status.

There are many benefits to instant decision car finance options, including:

Efficiency and Speed: Instant decision car finance offers a quick approval process, allowing you to drive away in your new vehicle sooner.

Convenience: The online application process can be completed from the comfort of your own home, saving time and reducing travel.

Accessibility: Instant decision financing options cater to a wide range of credit scores, making it more inclusive for individuals with varying financial backgrounds.

Flexibility: These options often come with a variety of loan terms and deposit options, providing flexibility to suit different financial situations.

Nikki Laptop Options |

As with any financial decision, there are some things you should consider before you choose a car finance instant decision option.

Credit Score: Having a higher score improves your chances of securing a favourable interest rate.

Budget and Affordability: Evaluate your monthly income and expenses to see how much you can afford to repay each month.

Interest Rates: Be sure to check the interest rate offered, as this will affect monthly payments.

Deposit: Consider how much you can afford to pay upfront. A larger deposit can lead to lower monthly payments and potentially a better interest rate.

Repayment Terms: Understand the length of the loan term and how it affects your overall financial commitment.

Proof of Income |

The type of car finance you choose depends on your own circumstances and preferences.

The main types of car finance with instant decisions are:

Hire Purchase (HP): Hire Purchase allows you to pay for the car in monthly instalments. Once you have made the final payment, you will own the car outright.

Personal Contract Purchase (PCP): PCP offers lower monthly payments. At the end of the loan term, you would need to pay a lump sum to own the vehicle.

Speed up the process of getting your dream car by looking at instant decision car finance options. At CarMoney, our ninjas will slice through the market, so you see just the lenders that are likely to approve you. This speeds up the process even more – as you don’t waste time talking to lenders who will reject your application.

Get a quote or contact CarMoney today.

Frequently Asked Questions

Who provides car finance with instant decision?

Below are a few UK lenders that provide immediate decision car finance options: CarFinance 247, Carwow, Moneybarn, Cinch, and CarGurus. Your credit score will be assessed as part of the application process, and you may be required to provide additional information. Before applying, it is essential to thoroughly understand the associated risks and carefully review the terms and conditions.

How long does it take to get a decision about car finance?

The time it takes to receive a car finance decision can vary depending on the lender, the application, and the specific circumstances. In some cases, you may receive a decision within minutes, while in others, it may take several days.

Are there lenders that offer instant decisions about car finance?

Sure, here is a reworded version of the text, keeping a similar number of words: Yes, many lenders now offer instant online decisions for car finance applications. This is made possible by automated systems that can quickly assess your eligibility based on the information you provide.

Can the decision time be affected by my credit score?

Yes, your credit score can affect the time it takes to decide on your car finance application. Lenders may need more time to review your credit history if you have a lower credit score, as they will need to consider your risk as a borrower more carefully.

How it works
Nikki covering car |

Drive Away Today

Our instant decision car finance lets you find and finance your dream car in minutes, so you can start driving today.

Nikki with laptop |

Swift & Hassle-Free Approval

Get your new car on the road today. Our fast and easy process gives you an instant decision.

Nikki with car key |

Quick and Easy Application Process

We simplify getting a car loan with a streamlined application process that removes the hassle and paperwork of buying a car.

Join thousands of happy customers

Our customers love our CarMoney Ninjas

Ninja Placeholder
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.”

Brad Badge |
Ninja Placeholder
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!”

Trustpilot Badge |
Ninja Placeholder
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”

Trustpilot Badge |
Ninja Placeholder
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.”

Trustpilot Badge |
Ninja Placeholder
CarMoney Ninja James

“Excellent professional and courteous service nothing too much trouble James was thoroughly committed to helping me source my car”.

Terry Badge |
Ninja Placeholder
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!”

Scott Badge |

View our Video Testimonials

CarMoney Ninja William
William Rocks

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.