Car Finance For All Brands

  • 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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When you are looking for a car, there are many car finance options available.

Whether you are looking for a practical family car or a high-spec sports car, car finance can help you buy your dream car.

When you are looking for car finance, there are a lot of decisions to make. What make or model or car do you want? How much do you want to borrow? What loan term would you want? What do you want the vehicle for? Are you looking to buy a family car, a sleek sports car or even a commercial van?

Whatever make or model of car you are looking for, CarMoney will be able to help you find the right finance. All we need is to know how much you want to borrow and how long for. If you’ve found the right car, we’ll need some details about it. Otherwise you can browse our range. Then we will find you the car finance providers that are most likely to approve your application.

Work with CarMoney and save time finding car finance and save money on your car repayments every month.

Representative Example: Borrow £6,000 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 £2,247.84 and a total amount payable of £9,247.84. 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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Financing Any Car Brand

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Find the right finance for each vehicle

Whether you are looking for motorbike, motorhome or car finance, there are a couple of main types of finance options available. These are:

  • Hire Purchase (HP): HP involves you hiring a vehicle from a finance company for an agreed time period. The lender can repossess the car if you miss payments. After you’ve made the final payment, the vehicle is yours.
  • Personal Contract Purchase (PCP): PCP generally means you will pay less each month. This is because you pay only the depreciation of the value of the vehicle. Not its full value. At the end of the loan term you must pay a lump sum if you want to own the vehicle.

Whatever type of car finance you go for, and whatever type of vehicle it is for, lenders will look at a range of information before they approve your application.

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What information to find the best car finance deal?

Car finance providers may request the following information as part of your application:

Proof of Identity and Address: Standard identification documents, such as a driver’s licence or passport are necessary for any vehicle financing.

Proof of Income: Lenders typically require proof of income to assess your ability to repay the loan. This may include recent payslips or bank statements.

Credit History: A good credit score is crucial for obtaining favourable financing terms.

Insurance Information: Proof of insurance is a standard requirement for vehicle financing. This ensures that the vehicle is adequately protected.

Vehicle Details and Purchase Agreement: Information about the specific electric vehicle you intend to purchase is often needed.

Deposit Information: If you’re paying a deposit, proof of funds may be needed.

At CarMoney, we believe car finance should be available for everyone. That’s why we work with a wide range of lenders. Some specialise in bad credit car finance, or commercial vehicle finance or finance for high-spec cars.

This means you are more likely to have your application approved with CarMoney.

We carry out a soft credit check – which doesn’t leave a mark on your credit score – and then we use this information to rank the lenders that are most likely to approve you.

After all, you don’t want to waste time talking to lenders that may not ever consider your application.

We also appraise car dealerships across the country, to ensure that you get the best service possible.

You can do a lot to increase your odds of having your car finance application approved.:

Credit Score and History: Your creditworthiness plays a pivotal role in determining the terms and interest rates of your new car loan. Check your credit report and make sure any discrepancies are dealt with.

Deposit: Many lenders offer deposit free finance. However, if you can pay a deposit, this will reduce the total amount financed and lower monthly payments.

Debt to Income: Lenders will look at existing debts. If you can pay off any other loans, this will show you are financially responsible and improve your application.

Frequently Asked Questions

Which Audi should I finance?

When choosing an Audi car to buy and finance, consider your needs and personal circumstances, such as budget, family size, performance, features, and type of car (e.g., SUV, sedan, hatchback). Once you have considered your needs and budget, research different Audi models, such as the A3, A4, A6, and Q5. Audi cars are known for their luxurious design, advanced technology, and high performance. They also offer a wide range of models to choose from, so there is an Audi car to suit everyone’s needs.

How much to finance a BMW?

The cost of BMW cars financing varies depending on the car model and equipment you choose, your deposit, the finance term, and your yearly mileage (for PCP finance). We can help you calculate the finance price for your desired car, so you can make a decision that is right for you.

How long does it take to finance a Citroen?

The amount of time it takes to get approved for Citroen car finance depends on a number of factors, including your credit score, the type of finance you choose, and the lender you apply to. However, most car finance applications can be processed and approved within 24-48 hours. If you have good credit and choose a simple type of finance you may be able to get approved for finance on the same day that you apply. However, if you have bad credit it may take a few days or even a week for your application to be processed.

Is financing an Audi a good idea?

Audi cars are a great choice for buyers looking for luxurious, reliable, and technologically advanced vehicles. If you’re looking for the best car finance option for your needs, CarMoney is the place to go. We offer a wide range of options to suit every budget and circumstance, and we’ll work with you to find the perfect solution for you. So what are you waiting for? Start your car buying journey today with CarMoney.

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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“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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“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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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.