- Car finance professionals
- Quick decisions
- Search from thousands of cars
- finance made easy
Car finance your way
Rates from 9% APR. Representative 18% APR.
Car Loan First is a broker not a lender.
Discover a wide range of UK car finance deals - fast, flexible, and built around you
CAr finance
calculator
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
Browse thousands of cars, nationwide
UK car finance specialists
Finance tailored to you
We work with all credit scores
FINANCE YOUR CAR
3 easy steps
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.
FLEXIBLE LOANS
Solutions
AT A GLANCE
Finance designed around you
| 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 | ✗ | ✓ |
Your confident car-buying journey starts here
with expert help at every turn
FAQs
What are the basic requirements to qualify for a car loan?
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)
- *this list is not exhaustive and requirements may vary on a case by case basis. We are on hand to guide you along the way.
Can I get a car loan with bad credit?
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.
How do I apply for a car loan?
You can apply online through our website or give us a call. The application process is simple and usually requires basic financial information.
How long does approval take?
It varies, but our process is quick. Where a traditional application might take a few days, our online system can often give you an initial decision the same day.
What factors affect my car loan interest rate?
Your interest rate is determined by factors such as:
Credit score
Loan amount
Loan term
Income and debt-to-income ratio
Can I get pre-approved for a car loan?
Yes! Getting pre-approved helps you understand your budget before shopping for a car. It also strengthens your negotiating power with dealerships.
What happens if I can no longer make my payments?
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.
WHY CHOOSE
Car Loan First?
Navigating car finance can feel confusing.
Car finance can feel like a maze of jargon. We try to cut through that — plain language, no confusing small print thrown at you unexplained, and an application you can complete from your phone, laptop, or tablet whenever suits you. No need to set foot in a dealership just to apply.
We tell you your costs upfront, so there are no surprises later, and if you’d rather talk things through than fill in a form alone, our team is on hand for that too.
We specialise in UK car finance, and we’d rather find you the right deal than just any deal.
UK car finance specialists
Finance Personalised to you
We work with a range of credit histories
Thousands of cars available nationwide
UK car finance specialists
Finance Personalised to you
We work with all credit scores
Browse thousands of cars, nationwide
CUSTOMISABLE
Car finance
At Car Loan First, we know that everyone’s financial circumstances are unique. That’s why we offer flexible UK car finance deals, personalised to your needs.
Want to own the car outright? Prefer to keep your options open at the end of the term? Working on rebuilding your credit? We’ve got car finance options for each of those situations.
NEED HELP?
Ready for a finance quote?
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.
Your confident car-buying journey starts here
with expert help at every turn