How car finance works


Get car finance

Get a no deposit car finance approved without affecting your credit score.


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 for bad credit

Good credit
Bad credit
Amount to borrow:
To repay over:
5 Years
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.

We compare car finance deals for you

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Here at Carplus we can offer car finance to all customers who have struggled to get car loan approved with other lenders. *

If you’re considering buying a car on finance and believe you have poor credit, the idea of guaranteed car finance can seem like the perfect solution. However, the claim that any car finance can be guaranteed is highly misleading as no lender can guarantee car finance or car loan without a full credit search.

So, while this is legally impossible to offer guaranteed car finance, here at Carplus we have access to specialist lenders who offer car loans to customers with less than perfect credit score. The APR on such loans might be higher but we know your time is valuable, so we’ve tried to make things as simple and straightforward as possible. When quoting you from one of our lenders, we will make sure the monthly repayments are comfortably affordable.

If you came here searching for guaranteed car finance on benefits, guaranteed car finance no credit check or guaranteed car finance for bad credit, please note that we can compare best car finance deals from UK’s top lenders without affecting your credit score.

Choose a reputable lender; even if your credit history is poor you still stand a good chance of finding the right, honest car financing option for you and we can help you do so with our instant decision car finance application.

Bad credit options

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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).