How car finance works


Finance a car

Get approved without affecting your credit score and no down payment.


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 deals

Compare and find the best car finance deals — no hidden fees or charges, no paperwork.

No impact to your credit

Getting a finance quote with Carplus will not affect your credit rating and you can do it for free

No deposit deals

No deposit options are available on all deals. Check if you are eligible today and 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

Carplus is an expert car finance broker, making it as easy as possible for our customers to finance a car.

At Carplus, we make it our goal to provide cost-effective deals. Our team offers the best service, with APR from as low as 6.9% and same day approval. We offer a bespoke approach to each applicant, which we believe makes us the best broker for customers looking to get a car on finance online.

We provide a wide range of finance options—between £2,000 and £50,000—so you can afford any vehicle from any dealer.

Working closely with our partner lenders, we have collated and compared more than 100+ products to bring you only the best low interest deals for your budget. We help our clients with bad credit ratings get accepted for car financing

You will never be charged any fees for applying and our financing is arranged with as little hassle as possible - that’s the Carplus promise. This means no paperwork and no hard credit check, so applying for a vehicle finance won’t affect your credit score.

Why use Carplus to get a car on finance?

Carplus does not provide car 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 across the UK, 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 auto for your needs.

How to apply for car finance online

In order to apply for car finance, you will need to follow this 4 simple steps:

  • First go to our online application form
  • Complete and submit our online application form,providing us with all needed information
  • We’ll perform a soft credit check, which will not affect your credit score and will not be marked on your credit report in any way. This way we can understand if our panel of providers can offer you a lending deal.
  • Then you will get an instant car finance decision whether you can or cannot get a deals on a vehicle

What do we need?

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 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.

How does car finance work?

When you purchase a car, you instantly become the owner of the vehicle. Then, you repay the loan to the lender for a time that suits your needs, plus additional interest. Interest rates vary per lender and are typically determined by the loan's length, as well as your particular circumstances and credit score.

How long do car finance applications take?

Completing and submitting the application takes around 15-20 minutes. It will generally take one or two working days to evaluate your papers and financial information before reaching a judgment on your application.

How much will car finance cost?

it will depend on the several factors:

Type of the loan: Depending on what you choose - PCP or HP finance - you will have to pay a different amount of money every month.

Credit history: The better your credit history, the more favourable the interest rate on the loan will be.

Deposit: If you are planning to put down a large deposit, your monthly instalments will be lower as a result.

Interest rate: It will depend on the different circumstances and in order to know the exact interest rate you will have to apply first.

What car can I get on finance?

You can get both a new or used car on finance. New car finance will allow you to purchase a brand-new vehicle, while used car finance would allow you to purchase a previously used vehicle.

How hard is it to get car finance?

Lenders do not easily provide car financing to individuals who have a bad credit score, credit history, or no credit file. Since they require assurance their money will be repaid, lenders consider a person's credit score for determining creditworthiness.

Speak to a real person

Car finance? 1. Get car finance approved. 2. Choose any car from any dealer. 3. Get it delivered next day. We’re open Monday to Friday (8am - 8pm) and Saturday to Sunday (10am - 5pm).