We will always provide the best rate from our panel of lenders and based on your individual circumstances. We do not charge any fees for our service. But we earn a commission from the lenders we work with. This does not affect the interest rate you will be offered.
Financing your used car should be straight forward, so we organise everything for you as quickly as possible, All car finance quotes are no obligation, and we won’t pressurise you either. Poor credit car loans? If you have a poor credit rating, or simply no credit at all, it can be difficult to get a car finance deal approved. However, we have a number of lenders who are our specialists in this area and can sometimes offer financing to people with bad credit.
You can pick a car from any reputable dealer of your choice or search from over 150,000 cars from our customer portal. We act as a credit broker, meaning we do not offer financing ourselves, but we make it easy for you to apply as a broker with work with a panel of lenders to provide you the best possible rate for your circumstances.
Our lenders specialize in Hire Purchase (HP). A loan is secured against your new car, you may want to put down a deposit, but this is not always required. You make monthly payments until you eventually own the car. This means you don't own the vehicle until the last payment is made.
To get a quote from us, we run what's called a soft credit search.
A soft credit check is a preliminary credit check which is usually undertaken to understand if you’re eligible for certain products with lenders.
This type of credit search doesn't affect your credit score and is also not shared with potential lenders, just the broker, us at Quick Car Finance.
The only time your credit score and history is shared with a lender will be when you choose to purchase a product and the lender you've chosen to purchase from will then conduct a full/hard credit check.
The documents you need can vary from lender to lender. But there are a few bits of paperwork that most car financing companies will want to see.
All lenders will want you to be able to prove that any personal details you’ve supplied are accurate. Expect to be asked to provide a photo of your driving licence or passport. To make sure you can afford the payments, the lender may also need to see payslips or other proof of income.
Quick Car Finance will recommend the right lender for you, from its panel, then let you know exactly what’s required by them!
Hire purchase is a way to finance buying a new or used car. You (usually) pay a deposit and pay off the value of the car in monthly instalments, with the loan secured against the car. This means you don’t own the vehicle until the last payment is made.
Hire purchase offers flexible repayment terms (from one to five years) to help fit in with your monthly budget with relatively low deposits required (normally 10% of the car’s price).
Also, if your credit score isn’t that high, it may be easier to get a hire purchase than an unsecured loan as the car is used as collateral for the loan.
Our panel of lenders consider application from people who have bad credit.
With different finance options available and a large panel of lenders, we are confident that we can find the best quotes for you.
Also, taking out car finance, or any other type of credit arrangement, and meeting all payment obligations, could also help you repair your credit report. If you make all your repayments on time, you’ll demonstrate that you’re capable of being responsible with money.
Annual percentage rate (APR) is the total charge for borrowing, including any fees and charges for that lending. Exact APR is the rate you'll be offered by the lender after your information has been checked. So, the price you will see is exactly what you’ll be paying, with no hidden extras.
You are able to choose a vehicle from any reputable UK dealership, we have numerous dealers that we have worked with in the past that have passed our risk criteria. We put a lot of effort into our dealer checks to protect you from any problems down the line!