Instant decision car finance
No impact on your credit. Instant decision.
- No deposit needed
- PCP and HP from 9.9% APR
- Buy your car from any dealer
- Get an instant approval
Car finance calculator
These estimates are subject to credit checks and may change when you apply for finance. this is for example purposes only
Hire Purchase (HP)
APR 11.9%60 monthly payments of
£0
- Interest rate
- 11.9% APR
- Amount of interest
- £0
- Total payment
- £0
Personal Contract Purchase (PCP)
APR 11.9%60 monthly payments of
£0
- Optional final payment
- £0
- Interest rate
- 11.9% APR
- Amount of interest
- £0
- Total payment
- £0
Rates from 9.9% APR. The exact rate depends on your circumstances and is subject to status. Representative HP example: Borrowing £7,000 over 5 years at 21.9% APR (fixed) costs £185.33 per month, total repayable £11,119.81, including £4,119.81 interest. We search our panel of lenders to find your best available rate. We may receive a fixed fee or percentage commission, which doesn’t affect the rate or total payable. Our service is free.
Our customers who have already got car finance!
- High Acceptance Rate
- Representative APR 21.9%
- Rated excellent on Trustpilot
What is instant decision car finance?
Instant decision car finance ensures you are not left waiting around for a decision about your car finance application. You will know within 60 seconds whether or not you have been approved or rejected by the lender.
The lender will look at things such as your income, previous credit history, location and other factors before reaching a decision. Instant decision car finance means you get the answer right away so you can plan your next move.
Can I get instant decision car finance?
Everyone is eligible for instant decision car finance. With Carplus, the majority of our authorised lenders will be able to provide an instant answer with 60 seconds. However, it may take longer depending on the details submitted with your application.
Even if you have bad credit you can make an application for instant decision car finance through Carplus. We connect you with a panel of regulated lenders and will match you with the company most likely to approve your application. This stage of the process will not have any impact on your credit rating.
How does instant decision car finance work?
The application process is simple with Carplus:
Step 1
Complete the online application form which only takes a few minutes.
Step 2
We will process your application and match you with a selection of suitable lenders.
Step 3
If you wish to proceed with the car finance application you will then complete the process directly with the lender.
Step 4
Where a loan is approved they will send the agreement to you to read, sign and return.
Step 5
You can arrange to collect the keys to your brand new vehicle and look forward to getting behind the wheel!
Why Our Customers Rate Us 5 starsWhy Our Customers Rate Us 5 stars
Compare deals
Compare and find the best car finance deals - quick and easy. When comparing deals, consider the part-exchange value of your current car to reduce the overall cost.
No impact to your credit
Getting a finance quote with Carplus won't affect your credit score, but a hard search will be completed before completion of the deal
No deposit deals
No deposit options are available on all deals. Check if you are eligible today and get approved risk-free with soft search.
Instant quote decision
Get your UK car finance decision in minutes. Check your eligibility first. Apply in confidence with Carplus
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