How car finance works


Get car finance

Get a no deposit car finance approved without affecting your credit score.


Choose your car

Choose any car from any reputable dealer and we will finance it for you.


Delivery or collection

Collect or get the car delivered to you with a 14 day return guarantee.

Car finance calculator

Good credit
Bad credit
Amount to borrow:
To repay over:
5 Years
Car finance rate XX% APR
Cost of credit £ XXX
Total repayment £ XX,XX.XX
48 monthly payments of
£ 245 /mo

Representative example - Borrowing £5,500 over 4 years with a representative APR of 19.8%, and a deposit of £0, the amount payable would be £162 per month, with a total cost of credit of £2,282 and a total amount payable of £7,782.

Carplus will find the best car loan rate from our panel of lenders and will offer you the best possible deal. We don’t charge fees, but we earn a commission. This does not influence the APR you’re offered in any way.

Why Carplus?

Compare car finance deals

Compare and find the best car finance deals. No hidden fees or charges. No paperwork. Car finance broker.

No impact to your credit

Getting a car loan quote with Carplus will not affect your credit rating. Check your finance quote for free.

Car finance no deposit

No deposit car finance available on all deals. Check if you are eligible today. Get approved risk-free with soft search.

Instant quote decision

Get your UK car finance decision in minutes. Check your eligibility first. Apply in confidence with Carplus

Get faster car finance with Carplus

Here at Carplus, we’ve made car financing simple. We’re an online car loan broker helping customers across the UK to find a low interest car finance deal. Find your perfect car with Carplus, apply for car finance, get approved online and get your car delivered to you same or next day. We offer competitive rates with APR from as low as 6.9%, quick decision within minutes and fully online car buying and financing journey.

Choose from our monthly payment deals. As we're a finance broker not a lender, we’ll always find a competitive deal for you from out lender panel of 10+ car finance lenders.

Why use Carplus to compare car finance?

Carplus does not provide loans, rather, we are a credit broker able to connect you with reputable and trusted lenders who offer the very best car finance deals. We are absolutely free to use and can help you secure the perfect vehicle to suit your lifestyle.

And because we use ‘soft’ credit searches in the first stage of the enquiry you will not see any negative impact on your credit rating. If you wish to proceed with a quote, we then connect you directly to the lender who will conduct additional credit checks.

Our aim is to provide the best car finance quotes on the market, so you have a fantastic selection of the very latest offers. It leaves you in full control to make a decision that you are comfortable with and allows you to find the perfect car for your needs.

How can you get car finance online with us?

In order to apply for car finance, we will need the following information from you:

  • Driving licence;
  • Your employment details;
  • Your residential status;
  • Your full name;
  • Your residential address;
  • Mobile number and email address;

In order to apply for a quote with Carplus, you need to be:

  • Aged between 18 and 75 years old;
  • Have been a UK resident for at least 12 months;
  • Receive a monthly income of at least £1,000;

We compare car finance deals for you

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Who can get a car finance loan? ✔

If you are aged between 18 and 75 years old, have been a UK resident for 12 months and have a monthly income of at least £1,000 - you can get car finance.

Will I get approved if I have bad credit? ⭐

It's possible to get car finance with bad credit, although you'll pay higher interest rates. There are car finance deals designed for people with poor credit.

How to use your online car finance calculator? 🖥️

Simply input the amount you’d like to borrow and the time period over which you’d like to repay the loan, then the calculator will show your monthly repayments. 🚀

What documents do you need to finance a car? 🗂️

In general, we would need to see proof of licence, proof of income and proof of address. Some applications, though, might require additional documents.

Do you charge any fees? 💷

No. Our service is free to use.

What if I was already refused? 💡

If you’ve been refused car finance because of bad credit, we still may be able to help. At Carplus we work with a panel of lenders who can offer bad credit car finance.

Can I choose any car? 🚗

At Carplus, our customers are free to choose any car from any reputable dealership in the UK.

Questions? Speak to a real person

Comparing car finance and car warranties is what we do, so you will get through to someone who can help. Call us from Monday to Friday (8am - 8pm) and Saturday to Sunday (9am - 6pm).