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

Amount to borrow

Must be between £3,000 to £50,000

Choose lenght of contract

24 months
36 months
48 months
60 months

Assuming your credit profile is

Estimated payments

These estimates are subject to credit checks and may change when you apply for finance.

Hire Purchase (HP)

APR 5.9%

48 monthly payments of


Total charge of credit
Total amount payable

Personal Contract Purchase (PCP)

APR 5.9%

48 monthly payments of


Optional final payment
Total charge of credit
Total amount payable

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 £3,000 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.

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:

  • 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

  • PCF Bank logo
  • Oodle logo
  • Marsh logo
  • Moneyway logo
  • SMF logo
  • Automoney logo
  • Moneybarn logo
  • Rate Setter logo

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