Get approved without affecting your credit score and no down payment.
Choose any car from any reputable dealer, and we will finance it for you.
Collect or get the car delivered to you with a 14-day return guarantee.
Assuming your credit profile is
|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.
Compare and find the best car finance deals — no hidden fees or charges, no paperwork.
Getting a finance quote with Carplus will not affect your credit rating and you can do it for free
No deposit options are available on all deals. Check if you are eligible today and get approved risk-free with soft search.
Get your UK car finance decision in minutes. Check your eligibility first. Apply in confidence 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.
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.
In order to apply for car finance, you will need to follow this 4 simple steps:
We will need the following information from you:
In order to apply you need to be:
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.
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.
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. 🚀
In general, we would need to see proof of licence, proof of income and proof of address. Some applications, though, might require additional documents.
No. Our service is free to use.
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.
At Carplus, our customers are free to choose any car from any reputable dealership in the UK.
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.
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.
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.
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.
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.