Rates from 9% APR. Representative 18% APR.
Car Loan First is a broker not a lender.
This quick and easy tool helps you see what you can afford. Enter a few quick details to receive an immediate finance estimate. The sliding scales let you adjust things like deposit size or loan term to see how it changes your monthly payments.
Rates from 9% APR. Representative 18% APR. Car Loan First is a broker not a lender.
| Cash Price | Deposit Term | APR (Fixed) | Payment | Total Interest | Total Amount Payable | |
|---|---|---|---|---|---|---|
| Representative Example | £8,000.00 | 60 Months | 18% APR | £203 | £4,189 | £12,189 |
Car finance your way
No matter if you want to fully own your vehicle, prefer flexible options, or need support overcoming credit challenges, we’ve got you covered with the best car loans finance options available.
| Feature | Hire Purchase (HP) | Personal Contract Purchase (PCP) |
|---|---|---|
| Do I own the car at the end of my agreement? | ✓ | ✗ (Optional with balloon payment) |
| Do I need to pay deposit? | Optional | Optional |
| Lower monthly payments | ✗ | ✓ |
| No large final payment | ✓ | ✗ (Optional with balloon payment) |
| Mileage limits apply | ✗ | ✓ |
| More flexible options at end of term | ✗ | ✓ |
| No balloon payment | ✓ | ✗ |
| Easier to settle early | ✓ | ✗ (optional balloon payment still applies) |
Total cost |
Can be higher because you are paying to own the car) |
This depends, it may be cheaper if you hand the car back, but can be more expensive if you decide to keep the car. |
| Best for long-term ownership | ✓ | ✗ |
| Best for changing cars frequently | ✗ | ✓ |
with expert help at every turn
To qualify for a car loan, you typically need:
A full and valid UK driver’s license
Proof of income and employment
A reasonable credit score (varies by lender)
Proof of residential address history (usually 3 years)
A down payment (if required)
Yes, it may still be possible to get car finance with bad credit, we work with lenders who offer financing options for individuals with less-than-perfect credit. Interest rates and terms may vary based on your credit history.
You can apply online through our website or give us a call. The application process is simple and usually requires basic financial information.
Approval times vary, however our process is usually very fast.
Traditional application methods in the UK usually take a few days but with our technology based solution we can usually provide an initial approval the same day!
Your interest rate is determined by factors such as:
Credit score
Loan amount
Loan term
Income and debt-to-income ratio
Yes! Getting pre-approved helps you understand your budget before shopping for a car. It also strengthens your negotiating power with dealerships.
Sometimes circumstances change. If you are unable to continue to make your payments it is important to contact your lender as soon as possible. There are many reasons this could happen and they can advise on what options will be available.
Navigating car finance can feel confusing.
We’re here to simplify the process, using clear, easy-to-understand language and avoiding jargon. Our cutting-edge technology allows you to apply for car finance and receive your quote from any device, at your convenience. No need to visit a dealership in person to apply.
When you use Car Loan First, you’ll know your costs upfront – so you can relax and focus on choosing your next car. With our expert team by your side, we offer everything from one-on-one guidance to securing competitive rates tailored to your budget.
We are UK car finance specialists, and our mission is to make sure your car finance works for you, not the other way around.
At Car Loan First, we know that everyone’s financial circumstances are unique. That’s why we offer flexible UK car finance deals tailored to your needs.
Whether you want to own your car outright, need a flexible end-of-term option, or are working to rebuild your credit, we’re here to help with car finance deals UK that work for you.
At Car Loan First, we're here to assist you every step of the way. If you have any questions, browse our FAQs or call our expert team.
with expert help at every turn
