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.
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Getting a car loan quote with Carplus.co.uk will not affect your credit rating. Check your car loan quote for free.
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Car finance simply makes the entire process of buying a car much easier, as you won’t have to part with a lump sum of cash before you get behind the wheel. Purchasing a car on finance means getting a loan for the car, which you can then pay back in affordable, fixed instalments each month. This allows you to control your finances by making it easier to budget.
Hire purchase (HP) and personal contract purchase (PCP) are the most common forms of car finance agreements, along with guarantor and personal loans. To get car finance, you don’t need a deposit as we have no-deposit finance option available.
It’s important to research the different options available to you when picking a car finance scheme, and make sure that you choose the best, most affordable option for your needs.
In order to receive a range of quotes from our panel of lenders, we will run a ‘soft’ credit search, which will not have any impact on your credit score. You can get a personalised car finance quote without affecting your credit score.
In order to apply for a car finance loan through Carplus you must:
To apply for a car finance loan with Carplus you will need to provide your:
Before committing to a car finance loan you will want to ensure you are able to afford your preferred choice of car. The price you pay will vary depending on the:
Having a bad credit means that you still might be approved by one of our specialist lenders, although it may not give you access to the best deals available. If you have struggled to get car finance from other lenders, or feel your current credit status could lower your chances, then Carplus may be able to help.
Our bad credit finance deals could be the answer you are looking for, putting you back in the driving seat of your finances. We are experts in car finance for bad credit, we can search for best offers with no impact on your credit, we compare 20+ lenders for the best price and you can buy your car from any dealer.
Carplus is a credit broker, not a lender. We make it easy for you to compare a wide variety of car finance and car loan products, all from a range of trusted providers and lenders. Comparing with us costs you nothing!
Using Carplus will not affect your credit rating as only soft searches will be carried out. If a lender makes you a car finance offer, they may need to carry out some more checks.
At Carplus we believe in providing an honest and transparent service to all our customers. Compare car loan quotes to see your exact monthly payments without affecting your credit score.
Compare car finance and get a no obligation quote online. Comparing car finance deals doesn’t impact your credit score.
We will compare quotes and deals from UK’s top car finance providers and offer you the best APR on your car loan.
Buy any car from any dealer or we can help you find your perfect car. You are free to get any car from any dealership.
Sign in one minute via your mobile phone and the car is yours. The process is very simple and you can have a car in less than 60 minutes.