Rates from 11.9% APR. Representative APR: 13.9%*
Representative APR 11.9%. Example: £6,086.80 Balance to Finance. Monthly payment £133.24 x 60 months. Total payable £6,907.79. Rates may differ as they are dependent on individual circumstances. Subject to status. Representative APR Example 13.9%. Hire Purchase. £4,236.33 Balance to Finance. Monthly payment = £142.91 x 36 months. Total Amount Payable £5,144.76. UK Car Finance is a broker and not a lender.
The Best Car Finance Deals in 3 Simple Steps:
1. Get Your Free, No-Obligation Quote.
Complete our quick, 2-minute online application and we’ll get to work matching you with the best lender from our panel. There’s no impact on your credit score, and in most cases we can provide a decision the very same day!
2. We Handle The Paperwork — You Simply Review & Sign!
Once you’ve chosen the car finance UK option that suits you best, our team will guide you through all the necessary checks and paperwork. We keep the process clear and hassle-free, so all you need to do is review the agreement and sign when you’re happy.
3. Drive Away In The Vehicle You Want!
Now the fun part begins. With your finance approved, you’re free to choose a car or van from a wide range of trusted dealerships. If you’d like support, our team can speak to dealers on your behalf — and our dedicated car-buying experts are always ready to help you find the perfect vehicle.
We Compare The Best Finance Deals — So You Don’t Have To!
Finding the right car finance UK doesn’t have to be complicated. We compare deals from a wide panel of trusted lenders to find the options that suit your budget and needs — so you don’t have to spend hours researching yourself. Whether you’re looking for low monthly payments, flexible terms, or quick approval, our team is here to guide you every step of the way.
With UK Car Finance, you can feel confident you’re getting the best car finance deals UK, hassle-free!
Become One of Our Happy Customers!
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“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“
➡️ Read More of Our 5* Reviews. ⬅️
Freedom To Get The Car You Want!
At UK Car Finance, we make securing low-rate finance simple, fast, and stress-free. With our service, you have the freedom to use your finance at any FCA-approved dealership. You can check the FCA register yourself — or let our expert team handle everything for you!
Choose a trusted dealership and find a vehicle that fits your budget. Once your application is approved and your finance is in place, you’re free to drive away in the car or van you want — it really is that easy!
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Frequently Asked Questions:
Do you need proof of income for car finance?
Yes, car finance UK 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 UK 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 lowest APR car finance UK deals 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 APR car finance UK 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?
Getting a car on finance UK 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 UK 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.
UK Car Finance is a car finance broker and helps you to find the most suitable finance deal from our lending panel. We will earn a commission from these lenders for the introduction to you. We do not charge you a fee for using our services. The lender pays us a commission for introducing and arranging your finance agreement. The commission we are paid does not impact the amount you pay for car finance. Find out more about how car finance commission works.
Get a Personalised Quote!
Get a personalised quote in minutes — with no impact on your credit score!