UK Car Finance is helping drivers across Britain get the best car finance possible!
1. Get a free, no-obligation quote.
Fill in our quick 2-minute application form, and we’ll be in touch with a finance decision for you. There’s no harm to your credit score, and we aim to get a decision back to you the same day!
2. We’ll sort the legal stuff & you sign the paperwork.
We’re here to guide you through all the boring bits. When you have decided which finance package works best for you, we can sort out all the paperwork and all that’s left is for you to sign the agreement!
3. Get the vehicle you want!
Now for the exciting part! Once your finance is in place, it’s time to find the car or van you’re after. You can use your finance at a huge range of trusted dealerships and our team are on hand to help speak to dealerships on your behalf. We also have a car buying team who are always happy to help.
We compare finance packages from our trusted lending panel to get you the best deal!
Affordable finance types to suit everyone.
Become one of our happy customers!
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➡️ Read our 5* reviews. ⬅️
“Had a fantastic experience with this company. Sean my advisor helped me with the process, everything that was going to happen and what to do with the online paperwork. Within a few hours was told that I got the car that I had picked. I would highly recommend this company. Thank you again to Sean for everything.”
“Brilliant first-class service could not have asked for better service. The staff was amazing and very quick to help me get a car within two days top class will tell anyone who wants to get a good deal on getting a car.”
“Great customer service, good advice great attention to your personal details wants, and needs. They break it down step by step of how to go about getting your finance. So big 👍🏽 they very helpful got the job done.”
“In under two days, UK Car Finance managed to get me approved with my finance and helped me source a dealer who was able to find me my car in the exact colour, make, and model I wanted in under two hours. The whole experience was amazing, and I would recommend Daniel and UK Car Finance Ltd to anyone they are amazing, professional and there for you every step of the way huge thumbs up“
Do it the UK Car Finance way.
Straightforward car finance solutions you can use at any dealer.
Car finance can get overly complicated. We’ve stripped it right back and made it as easy as can be. We’re here to get your vehicle finance sorted with low car finance rates. Get the finance deal that’s right for you and use it at any FCA approved dealership in the UK – it really is that simple!
Don’t forget to use our car finance eligibility checker for a better understanding of which rate you are eligible for.
*13.9% APR Representative Example:
Cash price of vehicle: £6,000. Deposit: £0.00 APR: 13.9%. Monthly payment: £136.78 x 60 months. Lenders option to purchase fee: £1.00 Total charge for credit: £2,206.80. Total amount payable: £8,207.80.
Rates may differ as they are dependent on individual circumstances. Subject to status.
Choose low APR rates!
As a car finance broker, our mission is to get you the best finance package we can. We are on your side that is why we have put together a fantastic lending panel offering car finance with low rates, no deposit options, and flexible finance packages.
Refinance your balloon payment.
Are you coming to the end of a PCP agreement and want to keep driving the car you love? Thanks to our bespoke lending panel, we can help you refinance your balloon payment in a few simple steps!
Not sure how much you can afford? Check out our car finance calculator. Set your budget, loan duration, and credit score to get an instant quote!
Freedom to get the car you want!
UK Car Finance is here to get your low-rate finance sorted. We don’t have any cars or vans on our website as we simply don’t stock them. We’re not a dealership you see, so you will never feel pressured and pushed into a vehicle. With us, you have complete freedom to use the finance we get for you at any FCA-approved dealership. Search the FCA register for a list of dealerships authorised by the Financial Conduct Authority.
You have the freedom to pick the trusted dealership to use, so you can get any vehicle that fits into your budget. We will get you the finance that suits the vehicle type you want so once you are approved, and the finance comes through, you can find the car or van you want!
Frequently Asked Questions.
Do you need proof of income for car finance?
Yes, car finance providers ask for proof of income as part of their due diligence. If you are paid cash in hand we recommend banking that money for up to 3 months, so our lenders can see proof.
How long does the process take?
Getting car finance is a very quick process. When you apply online we can get a decision back to you in minutes. From there it can take less than 24 hours for the loan to pay out. There’s no rush though, if you want to take your time searching around for the right vehicle and to think the finance through that is absolutely fine, all finance decisions stay open for 30 days.
How much are monthly car payments?
The amount you pay per month depends on the amount you wish to borrow, the rate you get accepted on, and the length you wish to take the loan over. The cheapest car finance offers are reserved for those with excellent affordability and high credit scores. You can find out the rate you could be accepted on using our car finance checker.
How can I get the lowest interest rate on a car?
Using a broker is a fantastic way of finding the lowest rate for your car finance as we compare packages from a range of reputable UK lenders. Other than increasing your credit score and affordability it is hard to improve the rate at which a lender is offering you finance. However, there are some things you can do such as putting down a deposit or opt for a smaller loan by choosing a more affordable car.
Does buying a car on finance impact my credit score?
Applying with UK Car Finance does not impact your credit score. We run a soft search which does not leave a trace and does not impact your score.
A few finance packages require a hard search, but we will never send you on to them without your consent first.
Does financing a car build credit?
Taking out car finance can build your credit score. Making payments in full and on time every month is a fantastic way of building up your credit score. Should you not make the payments in full and on time, it may have a detrimental impact on your credit, so make sure you will be able to stay on top of the repayments.
Can I repay my car finance back early?
Yes, you can make early repayments with all of our lenders penalty-free. If you take out a car finance loan over 60 months but decide you want to pay twice as much back every month you could save on interest and finish the agreement much earlier.