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Car finance made easy

We make getting car finance simple so you can be on the road in no time with over 17 lenders and 70 products compared.

  • Get a free no-obligation quote - no impact to your credit file
  • Purchase any vehicle from any dealer or privately
  • Don’t pay broker fees - transparent process
  • Found a car? Check the history & value for free
Price calculator

Car finance calculator

I would like to borrow
£1,500
To pay back over
3.5 years

Representative Example: Borrowing £5,500 over 48 months with a representative APR of 19.8%, the amount payable would be £163 a month, with a total cost of credit of £2,283 and a total amount payable of £7,783.

  • Car finance
  • Finance calculator
  • Hire purchase (HP)
  • Personal contract plan (PCP)
  • Personal loan
  • Fixed sum loan
  • Conditional sale
  • Quotes by manufacturer
  • FAQs

Car finance deals & products from a panel of lenders

With just a few details you can start the journey to find the most competitive finance offers from the very best lenders. It couldn’t be quicker!

The UK’s best new and used Car Loans

It’s our mission here at Car.co.uk to not only ensure that the process of finding and acquiring a finance agreement is as transparent and as simple as possible but to also make certain that you find the best form of finance available to suit your specific requirements, circumstances and interest rate with a leading credit broker. 

If you’re looking for new or used car finance agreements, then we can help you. For us to understand the type of finance that’s right for you, it can help to ask yourself a few questions. Firstly, how long you are likely to keep the car you’re thinking of buying? How much can you afford to pay back per month? Finally, consider your current credit rating to help assess what offers and types of finance you might be eligible for. Whether you are looking for car finance for an Audi, BMW, Ford, Vauxhall or any car manufacturer in the UK then you can start your application with Car.co.uk where our partner can compare leading finance products from over 17 lenders with a fast decision and a leading service.

You might decide to explore a hire purchase finance option; where you make a monthly repayment until the complete cost of the car is covered – at which point you become the owner. Then again, you might decide that a personal contract hire is right for you – you won’t own the car, but you’re free to simply hand it back when the time comes. 

They also have a range of lenders who can provide personal contract purchase agreements – sometimes known as ‘personal contract plans’ or PCP car finance. With a PCP deal, you’ll generally make a lower monthly payment – simply because you’re not paying off the full value of the vehicle. When you get to the end of your plan, the amount left to pay means you have some ownership options; you might want to hand the car back and walk away, you might decide to keep the car and pay the amount off – or you might decide to upgrade and negotiate a new PCP motor finance deal.

PCP or personal loan, hire purchase or contact lease - whichever option sounds right for you, you can take advantage of our helpful finance calculator, which will give you an idea of just what kind of finance deals are available. If you know how much you’d like to borrow and over what time period you’d like to spread your repayments, then you can get a quote quickly and easily.

With a finance arrangement in place you are free to select a vehicle from an already approved dealer or can source a vehicle privately. Assistance is available throughout every step of the car buying journey. You can even get a free valuation and history check on any vehicle you are interested in. It is all part of the professional service you will receive when you start your journey with Car.co.uk.

The UK’s best new and used car finance offers

A huge range of products to suit your individual needs

Are you looking for guaranteed car finance? Perhaps you’re worried about bad credit, or you’re hoping to find low-interest car finance packages? Whichever product is right for you – a quote through Car.co.uk provides access to a large panel of lenders with over 70 finance products - to increase your chances of approval and find a product just right for you.

Working with a large panel and leading products allows you to maximise your chances of approval with funding options for:

  • Specialist vehicles
  • Bad credit car loans
  • Self employed car finance
  • No deposit car finance
  • Electric car finance
  • Finance for young drivers
Price calculator

Car finance calculator

Get an instantcar finance quote

I would like to borrow
£1,500
To pay back over
3.5 years

Representative Example: Borrowing £5,500 over 48 months with a representative APR of 19.8%, the amount payable would be £163 a month, with a total cost of credit of £2,283 and a total amount payable of £7,783.

How it works

Need car finance without the hassle? You’re in the right place. Choose the amount you want to borrow and the repayment terms to see a range of deals.

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Apply

It takes less than 2 minutes, and we only need a few details.

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Find

Track down your ideal car from our comprehensive lists of dealers.

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Drive

With finance in place, get behind the wheel of your chosen car.

Car finance comparison from leading brands and products

  • BARCLAYS
  • paragon car finance
  • Santander CONSUMER FINANCE
  • HITACHI Inspire the Next

img-finance-2x.pngCar finance calculator

Make use of our innovative finance calculator and find the finance deals you are eligible for. Just enter the amount you need to borrow and the length of term and get a quote.

Calculate now
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Changing the way business is done in the motor industry

At Car.co.uk, the work we do helps to support charity work in local communities.

You might not associate food banks, adult work training programmes, and supported living homes with car finance – but at Car.co.uk, these things are closely linked. As our business grows, so does our commitment to creating social value – giving back to the people and communities that use our services. To make this happen, we work with partner charities that deliver incredible work, both here in the UK, and overseas.

When you shop for car finance using our helpful tools, part of the revenue you help us to create will go towards funding an enormous range of social value projects. One of our partner charities has created the UK’s largest food redistribution network; to make sure no good food goes to waste. Thousands of tons of good food are saved from landfill every year – and used to support food banks, breakfast clubs, and community kitchens instead.

Elsewhere, another of our partner charities establishes HMP Academies – training programmes that provide offenders with real work skills, helping to significantly reduce reoffending rates after release.

Read more on social value
Changing the way business is done in the motor industry

Helping to ease the strain on taxpayer-funded services around the country

While countless individuals find help through the organisations we support – the benefit of the work they do spreads much further.

It’s no secret that local authorities and emergency services often struggle to ensure their resources can meet everyone’s needs – but at Car.co.uk, we’re trying to change that. To date, the organisations we work with have created over £17 million worth of savings for social housing services, the benefits system, and the NHS; a real difference that can be felt by every UK taxpayer.

Car finance explained

There’s no one finance option that’s right for everyone – so, at Car.co.uk, you can choose from a range of products to make sure your finance deal suits your needs, as well as your budget. Don’t forget; in many cases you’ll be able to make adjustments to the amount you borrow; the deposit; and even adjust the number of miles you plan to do – to make sure your monthly payment is right for you.
finance-features

Hire Purchase (HP)

With HP, you’re responsible for the car, but you’re hiring the vehicle from the lender and making a monthly payment until the overall cost is paid.

Personal loan

Personal loans are no secured again the car you buy – so you’ll be able to borrow the amount you need, before purchasing the car outright.

Fixed sum loan

A fixed sum loan gives you a set repayment plan – with a set interest rate and term. When it’s paid off, the car belongs to you.

Conditional sale

With a conditional sale agreement, you commit to purchasing the car from the outset – so the car is your immediately after the final finance payment.

Personal Contract Plan (PCP)

With a PCP plan, you’ll only pay part of the car’s total cost. When the plan ends, you’ll have the option to pay it off and keep it, hand it back, or part-exchange.

Car finance news & blogs

Looking for news, information, and guides relating to car finance? We’ve put it all in one place for you to browse.

Everything you need to know about types of car finance
Read more
How to Reduce Car Depreciation: The Ultimate Insider Guide
Read more
What to do if you can’t get car finance
Read more
Things to consider before taking out car finance
Read more
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Car.co.uk is a trading name of New Reg Limited which is Authorised and regulated by the Financial Conduct Authority (FRN: 626225). New Reg Limited is an appointed representative of Vast Visibility Limited which is Authorised and regulated by the Financial Conduct Authority (FRN: 566973). New Reg Limited is a loan broker and not a lender. New Reg Limited has partnered with Warrantywise Limited for the purpose of offering car warranties in accordance with the terms and conditions documented on the warranty check-out page.
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