No deposit car finance

No deposit car finance lets you finance the full cost of the car without paying anything upfront. The lender checks your credit history, income, and budget to confirm how much you can borrow and set your interest rate and monthly payments.

When you apply with Carplus, you get access to rates and lenders you won’t find elsewhere. We have exclusive deals with several car finance lenders, so we offer a range of finance packages, including 0 deposit finance deals.

You choose the car you want from any trusted dealer. We handle the search, match you with a suitable finance agreement, and give you a clear, no-obligation quote before you commit.

Can I get car finance with no deposit?

You can still get car finance without paying anything upfront. At Carplus, we offer no deposit car finance deals from trusted lenders across the UK. Some lenders require one, but many offer flexible zero deposit options. We find the right one for you.

You tell us what car you’re looking for and your budget. We handle the rest. We compare offers in minutes and explain the terms clearly, so you know what to expect from the start.

We support clients with bad credit too. If you're worried about your credit score or income, we’ll guide you. We aim to improve your chances of approval and keep your monthly payments affordable.

How does no deposit car finance work?

At Carplus, we offer no deposit finance through both personal contract purchase (PCP) and hire purchase (HP) agreements. You can finance a car without having to pay anything upfront, and we’re here to guide you through every step.

You can apply for 2 types of car finance:

1. Personal contract purchase (PCP) lets you drive the car while making fixed monthly payments. At the end of the agreement, you choose: return the car, pay the option to purchase fee to keep it, or use any value left in the car as a deposit towards a new one. This works well if you want lower payments and flexibility later.
2. Hire Purchase (HP) is more straightforward. You make higher monthly payments than with PCP, but once the final payment is made, you’ll own the car. There’s no large payment at the end — just steady repayments and full ownership once the term ends.

We help you choose what fits your needs. Just tell us the type of car you want, and we’ll find the best £0 deposit car finance option from trusted lenders.

How much can I borrow without a deposit?

With Carplus, you can borrow between £2,000 and £50,000 to finance a used car. You don’t need to pay a deposit. We work to match you with lenders who offer flexible terms, based on your income, budget, and the cost of the car.

You tell us how much you need and the car you’re looking for, we handle the rest. If you're eligible for no deposit car finance, we’ll guide you through the process and explain every detail. You’ll see clear terms upfront, so there are no surprises later.

Longer terms reduce your monthly repayments, though you’ll pay more interest. Shorter terms increase the payments but cost less overall. We’ll help you choose what suits your monthly budget and long-term plans.

If you're dealing with a low credit score, we can still help. We specialise in zero deposit finance with bad credit and aim to improve your chances of approval.

What are the requirements for 0 deposit car finance?

As a trustworthy UK online broker, we cater to a diverse group of customers. And we strive to provide results in every situation. That is why there are certain criteria that must be met.

To apply for no deposit car finance with Carplus, you need to be:

• Your full first and last name and age (you must be between 18 and 75 years old)
• Driver's license
• Employment details
• Your residential status and address (you must have been a UK resident for at least 12 months)
• Cell phone number and email address

If you plan to use your vehicle for business, be sure to let your manager know. This may change the options available, so we should know in advance.

Is 0 deposit car finance a good idea?

0 deposit car finance helps when you need a vehicle quickly but don’t have money set aside. You can spread the full cost of the car without delay or waiting for the time to save.

Paying a deposit can reduce the amount of money you borrow, which lowers the monthly payments and total cost. But not everyone can do that. If you can’t, we help you move forward with confidence.

We show you the pros and cons, explain the terms clearly, and help you choose the best route. You’ll know the full finance agreement, including your monthly repayments and final option purchase fee if you choose a PCP finance deal.

Use our eligibility checker first. You’ll see your approval chances upfront, with no impact on your credit score. We guide you to a deal that fits your monthly budget, income, and goals.

What are the pros and cons of no deposit car finance deal?

No deposit car finance gives you access to a vehicle without paying anything upfront. At Carplus, we help you understand how to finance a car with no deposit, so you can make the right decision from the start.

Pros

• No need to save, you can apply now without waiting.
• Faster access to the car you want.
• Your current vehicle can be used as part of the deal.
• A good option if you need a car urgently but don’t have spare cash.

Cons

• You’ll be borrowing more money, which can increase your monthly repayments.
• The total amount repayable will be higher.
• Some lenders may still require a deposit based on your credit score.
• Fewer deals are available for applicants with bad credit.

No deposit car finance with no credit check - this is real with Carplus

You can get no deposit car finance without a full credit check. At Carplus, we run a soft search only. It won’t affect your credit score or show on your file.

We help people with bad credit find a way forward. You tell us what you need and we find deals from trusted credit broker lender partners who don’t judge your past. You stay in control from start to finish.

You won’t need to pay anything upfront. If you’re eligible, we’ll explain the full finance agreement, including your monthly payments, the total cost, and the steps to take. Everything stays clear and tailored to your budget.

No stress. No long forms. Just honest support to help you get behind the wheel of a new car.

Bad credit car finance with no deposit

You can still get car finance without deposit and with a bad credit history. At Carplus, we help you apply with confidence. We work with lenders who consider more than just your credit score.

You won’t need to pay anything upfront. We run a soft search only, so your credit file stays protected.

We explain your options clearly. You’ll see the amount of money you pay, your monthly payments, and the full finance agreement before you decide.

Apply for a no deposit finance deal to get a car with Carplus!

Our customers are happy with the wide range of car finance deals we offer. We do this by comparing the best loan deals from the top lenders.

• We approve car loans with no deposit required
• We offer vehicle deals for clients with a low credit score as well as no deposit deals
• We can help you if you have a poor credit history
• We can help if you’ve been bankrupt
• Cheap no deposit car finance packages
• Apply today to get your personalised no-obligation quote

You can transform your life and buy the car of your dreams for work or leisure, with monthly repayments that suit your budget.