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, no matter their circumstances. Our team offers the best service, with low rates starting from 5% APR and same day approval. We accept all applicants, regardless of their credit rating—including those with a history of CCJs, IVAs or defaults. Here at Carplus, we offer a bespoke approach to each applicant, which we believe makes us the best broker for bad credit car loans, offering guaranteed approval and CCJ car loans. 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 finance products to bring you only the best deals for your budget. At Carplus, we help our clients with a poor credit rating get accepted for vehicle finance. And because we use a soft credit search, making an application won’t have an impact on your overall rating.
We specialise in providing finance to those with bad credit, so even if you don’t think you are a suitable candidate for finance, we do. Whatever your history—including default, CCJ, arrears, and bankruptcy—we can help you find the perfect car, even if you’ve been refused a loan request in the past.
You will never be charged any fees for applying and ourfinancing 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. Within an hour of applying for your financing, you’llbe able to drive your dream car home from the dealership!
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.
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.
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.
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!
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.
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.co.uk costs you nothing!
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 50 car finance deals, which means we’re able to help our customers from a wide variety of credit scores.
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. So regardless of whether the car costs £5,000 or £30,000, the commission is the same and generally standardised across deals.
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. We anticipate that the FCA’s clampdown with result in more car finance brokers adopting a fixed commission structure. It’s better for customers and the industry as a whole.