Car finance calculator - Manchester

Must be between £3,000 to £50,000
Must be between £100 to £10,000 and difference between borrow and deposit must be £5,000

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 9.9%

60 monthly payments of


Interest rate
9.9% APR
Amount of interest
Total payment
Personal Contract Purchase (PCP)
APR 9.9%

60 monthly payments of


Optional final payment
Interest rate
9.9% APR
Amount of interest
Total payment

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.

If you are in Manchester and looking to buy a car, Carplus car finance services are right for you. We can help you find the best used car and the most reliable dealer. In addition, we will provide you with financial support to close the deal and help you sign the contract even if you have a bad credit history.

Car finance options we have in Manchester

As a car finance broker, we work with a panel of trusted lenders to offer you a wide range of car finance products to suit your needs and budget.

Hire Purchase deals

If you're looking for a straightforward and traditional way to finance your car in Manchester, our Hire Purchase (HP) deals might be just what you need. With HP, you pay a deposit (though we do have no deposit options, more on that later) and then make monthly payments. Once you've completed all the payments, the car is officially yours. It's an excellent option for those who want to own their car outright at the end of the term.

Personal Contract Purchase deals

Our Personal Contract Purchase (PCP) deals offer flexibility to Manchester residents who want lower monthly payments and the option to decide at the end of the contract whether to return the car, pay a final lump sum (balloon payment) to own it, or part-exchange it for a new model. This flexibility is perfect for those who enjoy changing cars frequently or want to keep their options open.

Poor and bad credit car finance in Manchester

If you have little or no credit history or bad credit, don't worry – Carplus has got your back! We specialise in bad credit car finance and will help you do everything right. In addition, if you do not have a large amount in hand at the time of the transaction, we can consider a no-deposit deal for you in Manchester.

Even if you are not the most straightforward customer initially, our experts will make sure that you can get the car of your dreams with car finance in Manchester.

Is no-deposit car finance available in Manchester?

Absolutely! We understand that having a significant deposit ready isn't always feasible. That's why we offerno deposit car finance deals in Manchester. With this option, you can get behind the wheel of your dream car without the burden of a substantial upfront payment. We're committed to making car ownership accessible to as many people as possible, and no-deposit car finance is one of the ways we achieve this goal.

Apply for no credit check car finance in Manchester

Sometimes, a poor credit history or no credit history can create roadblocks in securing car finance. But at Carplus, we offer no credit check car finance in Manchester. We understand that your past doesn't define your future. This soft credit search doesn't affect your credit rating. Once you select a car, we'll then complete a full application with a standard credit check. With our no credit check options, you can get the car you need without the worry of your credit score affecting your approval.

Can I get car finance for used cars in Manchester?

Сar credit is the perfect way to get a new vehicle without spending a large sum of money. In addition, this way of buying a car will help you better control your finances through adjustable monthly payments.

Many people think you have to have a lot of funds and a perfect credit history to get a car loan - but that's not true. At our company, we know how to work with a wide variety of clients and can help you finance a car with bad credit and no deposit.

We work with a large group of lenders and can explore various options and find the best one for you. So don't worry; you can quickly get a car if you choose Carplus.

Finding a used car on finance in Manchester is not a problem!

If a brand-new car isn't what you're looking for, we also offer used car finance solutions in Manchester. Our used car finance options allow you to purchase a quality pre-owned vehicle without the hassle of large upfront payments. You can choose from a wide selection of used cars on finance to find the one that suits your requirements and budget.

Will I be eligible for car finance in Manchester?

There is no problem with being an appropriate candidate for a car loan. To be eligible, you will need to prove your income for the past three months and meet some of our conditions:

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

What documents do I need to get car finance in Manchester?

Gathering the right paperwork in advance streamlines the car finance process. Here are the basic documents required:

  • Proof of income - recent payslips or bank statements showing regular income
  • Proof of address - recent utility bill, bank statement with address
  • Proof of ID - passport or photo driving licence
  • Evidence of residency status - passport/visa if applicable

Why choose Carplus?

  1. We search for the best deals from over 20 reputable lenders and provide you with the best possible offer.
  2. Carplus is a team of expert brokers who make financing a new car fast and easy.
  3. We provide you only with the best deals for your budget.
  4. We offer to finance not only for vehicles but also for vans, motorbikes, caravans, and motorhomes.
  5. In the Reviews section, you can see hundreds of our satisfied customers.

Who can get car finance in Manchester

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

Need a hand?
We're ready to help

Choose Carplus for a seamless and customer-focused car finance experience in Manchester.

CarShop Manchester

Alexandria Drive Lord Sheldon Way, Manchester OL7 0QN


173 Cross Lane, Salford, Manchester M5 4AP


Barton Dock Rd, Urmston, Manchester M41 7TB

The Car Group

Derby Way, Bury, Lancashire BL9 0NJ

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