Compare car finance from 20+ trusted providers without affecting your credit score

What is Carplus?

Expert car finance brokers, making it as easy as possible for our customers to finance a new vehicle.

At Carplus, we make it our goal to provide cost-effective loans for customers looking to buy a car. Our team offers the best service, with low rates starting from 5% APR and same day approval. Here at Carplus, we offer a bespoke approach to each applicant, which we believe makes us the best broker for customers looking for a car loan.

We provide a wide range of finance options—between £2,000 and £50,000—so you can afford any vehicle from any dealer. Get an instant decision on your car finance with us now.

Working closely with our partner lenders, we have collated and compared more than 100+ products to bring you only the best deals for your budget. At Carplus, we help our clients with bad credit rating get accepted for car finance.

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 and getting a quote won’t affect your credit score.

Carplus team

Having a happy, knowledgeable and customer-friendly car finance team is important to keeping our car loan customers happy. We believe our people are truly exceptional individuals.

Here to help. Our expert advisors. Carplus is a family operated business with a tradition of putting the customer first. Our amazing team of car finance experts have years of experience and knowledge of the car finance market. Every day their independent and friendly advice helps thousands of customers get the best car loan deal.

  • Joshua Gorman
    Car Finance Advisor
  • Emile Hadian
    Car Finance Advisor
  • Sukhdeep Saddal
    Car Finance Advisor
  • Matthew Sackey
    Car Finance Advisor
  • Abbas Akhter
    Car Finance Advisor
  • Robbie Dowling-Doyle
    Car Finance Advisor
  • Debra Reynolds
    Car Finance Advisor
  • Scott Barnes
    Sales Director
  • Parvoz Hay
    Finance Manager
  • Tamila Danaeva
    People Director
  • Roman Danaev
    CEO

How car finance process works


Step 1 – Get a quote

This doesn’t impact your credit score. We will compare deals from the UK’s top car finance lenders and find the best rate offers that are available for you that match your budget.

Step 2 – Get accepted

You will know your monthly payments. You will get a dedicated car finance advisor who will guide you through the car buying process and will explain each step. Getting approved for a car loan is so easy.

Step 3 – Choose your perfect car

Get any car from any dealer. We will help you find your perfect car. But if you have one in mind, we can finance it too. You are free to get any car from any dealership. Yes, it’s pretty cool, we know!

Step 4 – Sign online and drive away

Sign in 1 minute via your mobile phone. Once you’re happy with everything, you’ll electronically sign the agreement and the car is yours. The whole process is very simple and you can have a car in less than an hour after you’ve applied.

Get car finance quote No impact on your credit

How does Carplus make money?

Carplus is free to use. You’ll never pay a penny for our services. If you decide to get a car finance through us, the car finance lender company pays us a fee for getting them your business. Whether you decide to buy or not, using Carplus costs you nothing!

Many car finance dealers and brokers will receive a fixed commission from their lenders. It’s a standardised amount, often between £400 and £600 for each deal, and it’s independent of both the size of the car finance deal and the interest rate charged to the customer. This commission structure removes the incentive to overcharge customers and promotes offering the best deal possible. It’s why we at Carplus use this commission structure and openly share this information with our customers.

Who sits on Carplus’s panel of lenders?

We work closely with a number of car finance companies and lenders with the aim to provide competitive car loan deals for every customer. We currently work with following lenders

This allows us to access and compare over 100 car finance deals, which means we’re able to help our customers from a wide variety of credit scores.

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).