A simple process to your perfect car

At CarMoney we pride ourselves on providing a simple, quick and transparent way for you to finance your next vehicle. Our powerful software systems allow us to help you to check your eligibility without impacting your credit rating by completing a Soft Search. The Soft Search leaves no trace on your credit rating and instantly shows your eligibility with some of the top lenders on the market.  

We can then apply for you to the UK's top lenders and work with them to get you a speedy acceptance with minimum hassle. Our team of ninjas will also help source a new car for you - unless you already have something in mind. CarMoney finance is accepted at any of the over 12,000+ dealers in the UK.

  • 1

    Apply securely online (takes 2 mins)

    Quickly and easily apply online, in your own time. It only takes 2 minutes to provide all the information we need to get you a car finance decision. 

    If you prefer you can apply over the phone 0333 456 4550.

  • 2

    Tell us about your next car

    Already found a car? Great - just send us the details.

    Don't worry if you haven't found a car yet - we can help. You can run quotes on over 450,000 on sale today on our website. Prefer to talk? Our ninjas provide a free concierge service to help you find the perfect car.

  • 3

    Get a decision (within 1 hour)

    Once we have your finance application and car of choice we spring into action to get you the best finance around. Our ninjas use special algorithms to search over 20 lenders from across the UK.

  • 4

    Sign the documents and collect your new car

    Once you are happy with the lender, agreement and monthly payments then all that is left to do is sign the documents and pick up your brand new car!! 

Why certain lenders are likely to accept your application

At CarMoney we will collect some key personal details so that we can conduct a soft credit search. This type of search leaves no mark on your credit record visible to lenders. It is however enough information to help us tell you which of our lenders and rates you are likely to be being accepted for credit. This in turn helps give you the most transparent way of making a decision.

Lenders we recommend are a selection of the key lenders in the market, this allows us to provide you with the best rate possible no matter what your credit rating is.


What are my chances of approval?

Your credit rating

Excellent Good Fair Poor Very Poor

It is good to keep an eye on your credit rating, particularly if you are looking to make a big purchase for something like a mortgage or a new car. Your credit rating is based on your ability to meet your financial commitments and is calculated based on your credit history. Having a lower credit rating can affect the amount and type of credit that companies are willing to give you, as well as the interest rates they are willing to lend to you at.

Lenders will check your report when you apply for car finance, have you checked yours? 1 in 3 reports contains an error, which could be the difference between being approved or declined! Access your report with a 14 day free trial from our partners at UK Credit Ratings now >

Selecting the right car

Selecting the right car

We appraise all of the dealerships that we work with to ensure that you, the customer, have the best experience possible. All of our approved dealerships are expected to meet and maintain high levels of customer service when both purchasing your new car and after sale. This means that there may be some dealerships that we advise against using and as such will try to find an alternative car of the same spec to the one you have found.

  • Alphera
  • Barclays
  • Santander
  • Ratesetter
  • Moneyway
  • startline
  • Blue Motor Finance
  • 1st Stop
  • Hitachi
  • DSG

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