Car finance calculator - London

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.

Carplus will find the best car loan rate from our panel of lenders and will offer you the best possible deal. We don’t charge fees, but we earn a commission. This does not influence the APR you’re offered in any way.

We compare car finance deals for you

  • Oodle logo
  • PCF Bank logo
  • Moneybarn logo
  • Marsh logo

Buying a car on credit is more profitable than using your own money. This way, you will manage your budget and not burden yourself with a significant one-time expenditure.

If you are looking for car finance in London, contact Carplus! We work with hundreds of reliable lenders and offer car finance with bad credit and no deposit, even for the most challenging clients.

Bad credit car finance in London

Things happen in life. Due to some circumstances, people may not be able to pay back a loan they took when everything was well. Because of this, debts, fines, and penalties accumulate, and, inevitably, the credit history is spoiled.

But even if the person eventually pays off the obligation, there is still a trace on their credit history. Once, this meant an end to cooperation with borrowers in the future; a loan with a bad credit history is not easy to take even now.

But not with Carplus. Here, we try to give every customer the best possible deal with our bad credit car finance offers, which are available even for those with a poor credit history. In addition, we provide financing with a guarantor and funding with no deposit - all to make sure you have a new car.

Can I get car finance for used cars in London?

Do you want to buy a used car on credit terms? Carplus cooperates with dealers who provide used vehicles with the most favourable conditions for you. This implies several additional advantages, including purchasing a vehicle on attractive terms for customers and the shortest transaction processing time.

With us, you will get a unique opportunity to choose a dealer who will provide a car and a credit program from the automakers' offers. This will allow you to buy a vehicle with a minimum burden on your budget. Moreover, you will be able to buy a car even with not the best credit history thanks to our bad credit car finance in London.

Will I be eligible for car finance in London?

Virtually any driver can quickly obtain car financing. To be eligible for London car finance, you will need to prove your income for the past three months and meet the following criteria:

  • You must be between the ages of 18 and 75
  • You must have lived in the UK for at least 12 months
  • You must have a driver's license

Why choose Carplus?

  1. We approach each client individually.
  2. With us, you have every chance of getting the best deal.
  3. We have an unbeatable range of loans, dealers, and offers.
  4. It is easy to find a deal that fits your budget.
  5. We finance cars as well as vans, motorbikes, caravans, and motorhomes.

Who can get car finance in London

  • Unemployed
  • Self-employed
  • In part time employment
  • Zero hours contracts
  • In receipt of benefits
  • Young drivers
  • Retired drivers
  • Provisional license holders
  • Carers allowance
  • Disability allowance
  • Ex bankrupt
  • Bad credit ratings
  • No credit history
  • Military/Armed forces

Car dealers in London


44-45 Hythe Road, London NW10 6RS

Big Motoring World

London Road A20, Addington, Kent ME19 5PL

Mercedes-Benz Retail Group

Brooklands Dr, Weybridge KT13 0SL

McCarthy Cars

72-74 Mitcham Road, London CR0 3RG


Carplus Reviews

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).