Car finance calculator

Must be between £3,000 to £50,000
Your monthly payment
Total charge of credit£0
Total amount payable£0
Apply now for your personalised, no-obligation quote

Rates from 9.9% APR: the exact rate you will be offered will be based on your circumstances, subject to status. Representative example: borrowing £7,000 over 5 years with a representative APR of 21.9%, the annual interest rate of 21.9% (Fixed) and a deposit of £0, the amount payable would be £185.33 per month, with a total cost of credit of£4,119.81 and a total amount payable of £11,119.81. We look to find the best rate from our panel of lenders and will offer you the best deal that you're eligible for. We receive a fixed fee commission per finance agreement, or we receive a commission based on a percentage of the total amount of finance taken. This will not affect the interest rate offered or the total amount repayable. 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.

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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 stars

Compare deals

Compare and find the best car finance deals - quick and easy.

No impact to your credit

Getting a finance quote with Carplus will not affect your credit rating and you can do it for free

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

Find your perfect car finance deal

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