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 and circumstances.

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.

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. 

We 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.

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.