Smart 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
Smart Car Finance |
Nikki Image

These tiny little city cars have become very popular in many countries accross Europe! With CarMoney Finance, we could get you behind the wheel!

At CarMoney, we will work to find you the best Smart car finance deals, saving you money every month.

With the stealth of a ninja, we will travel the car finance market, eliminating the lenders that are unlikely to approve your application. We’ll then rank the lenders so you can compare interest rates, loan terms and deposit requirements.

This lets you choose the Smart car finance that is right for you. And our checks won’t leave a mark on your credit file.

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 £2,247.83 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



Scales icon |

100% unbiased car finance deals

Magnifying Glass Icon |

We help find you the perfect car

Shield Icon |

Keep your credit score unaffected

Smart in the city |

Smart Car Finance

Squeeze yourself into the driver’s seat, take the wheel and effortless navigate the twists and turns with ease while looking for Smart Car finance deals with CarMoney.

The Smart Car was essentially designed and manufactured for use in congested cities, and it does that brilliantly well. Parking in even the smallest of spaces is as easy as pie, this revolutionary offering as garnered a decent fan base.

Available in two configurations, with the ForTwo and ForFour models doing exactly what they say on the tin, Smart Car have cornered the market for super compact city cars.

Discover Smart Car finance deals with CarMoney; impartial, no-fuss and quick car finance offers.

Smart |

Smart ForTwo Finance

Are you searching for a new car that delivers reliability, practicality and style while navigating the city? Then we’re glad you’ve stumbled across our Smart ForTwo finance deals.

The Smart ForTwo is excellent for driving around town. With its tiny turning circle, ability to squeeze itself into the tiniest of spaces and comfortable drive, the Smart ForTwo is top of the super compact car class.

As you’d expect, the Smart ForTwo is very economical. And for a tiny car, it’s pretty confident with a stylish build and modern, elegant interiors.

Test drive our Smart ForFour car finance calculator and learn how much car finance you could get today.

Smart behind a bush |

Smart ForFour Finance

Have you been browsing the net for great offers on financing a super compact car? Of course you have, that’s why you’ve discovered our fantastic Smart ForFour finance deals.

Massive in comparison to the dainty ForTwo model, the ForFour is still a very small, nimble and responsive hatchback. The spacing in the ForFour is, well, smart. The clever design ensures this compact is actually quite roomy inside.

And with excellent manoeuvrability and fuel-efficient engines, this compact motor performs brilliantly both as a competent city car and practical family car.

Take our Smart ForFour car finance calculator for a spin today.

Family at Dealer |

Why Choose Smart Finance With CarMoney?

Nikki the Ninja is on hand to find you the best Smart car finance deals, slashing interest rates and saving you money.

Here’s why you should choose CarMoney:

  • Save thousands buying your next car!
  • No obligation, no hidden fees.
  • Quick quote, free check, fast acceptance.
  • We won’t steer you towards a particular lender.

And don’t forget Nikki’s price promise! We’ll beat any Smart car finance quote today – guaranteed! Find a better price on car finance and Nikki will beat it.

Get a quote for Smart car finance today.

Frequently Asked Questions

Can I finance a Smart without a deposit?

CarMoney is the perfect place to buy your next Smart car if you want various flexible upfront payment options. We offer deposit and no-deposit car finance so that you can choose the best option. We also have a team of experienced financial advisors who can help you find the best payment plan for your budget.

Which Smart Car should I choose to finance?

When choosing a Smart car to buy and finance, consider your needs and personal circumstances, such as budget, family size, fuel efficiency, performance, features, and type of car (e.g., electric car, city car). Once you have considered your needs and budget, research different Smart models, such as the Fortwo, Forfour and the new Smart#1. Smart cars are known for their small size, fuel efficiency, and manoeuvrability. They are also relatively affordable. However, they are also not as spacious or powerful as some other cars on the market.

How fast to finance a Smart Car?

The amount of time it takes to finance a Smart car will vary depending on your individual circumstances, but 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, such as Personal Contract Purchase (PCP) or Hire Purchase (HP), you may be able to get approved for finance on the same day that you apply. However, if you have a bad credit score, it may take a few days or even a week for your application to be processed.

How much to finance a Smart?

The cost of financing a Smart Car depends on several factors, such as your car model and equipment choice, the amount of deposit you pay, the duration of the finance, and your annual 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 your budget and lifestyle.

How it works
Nikki the ninja |


We are transparent about our car refinance agreements’ terms, conditions, and costs so you can make an informed decision.

Nikki with laptop |

Extensive Lender Network

We work with many lenders, including those specialising in bad credit loans, so you have a better chance of getting approved.

Nikki with chronometer |

Quick Approvals

We make it easy to get approved for car finance with our fast and efficient approval process.

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.