Quick Car Finance

Car finance made easy

Amount to borrow:


To pay over:


Your Credit score is:

Monthly payments of about:


Trustpilot Excellent Rating

Rates from 7.9% APR:
Representative 19.8% APR.
Quick Car Finance are a broker not a lender.


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Decide how much money you want to borrow. We have a handy car finance calculator to work out a simple and affordable payment plan that works for you based on your current income.

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Do you want new or used car finance? Quick Car Finance has a wide range of cars for you to choose from in lots of different models! Whether you want to finance a new BMW or a used Nissan, chances are we’ll be able to help you select the perfect car for you!

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Once you have your car finance sorted, and you’ve settled on your dream car, we will help you get a quote for an affordable car loan; this in no way impacts your credit score!

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Let us do the hard work: Our customer service team works with your interests as the priority, so that, if accepted, you can drive away in your new car stress-free.


Quick Car Finance acts as a credit broker, not a lender. We offer new and used car financing options from reputable UK car dealerships, many of whom we have worked with for years.

Finance representative example
(Rates from 7.9% APR)

Borrowing £7,000 over 5 years with a representative APR 19.8%

Monthly Payments £183.75
Total amount payable £11,025
Cost of credit £4,025

Representative example: borrowing £7,000 over 5 years with a representative APR of 19.8%, the annual interest rate of 19.8% (Fixed) and a deposit of £0.00, the monthly would be £194.93, with a total cost of credit of £4,695.66 and a total amount payable of £11,695.66. Rates may differ as they are dependent on individual circumstances'.

Automotive Online Ltd is a credit broker, not a lender and may receive commission for introductions.

Our car finance lenders

Though we do not offer car finance ourselves, we work with a panel of trusted lenders and banks that consider a range of credit profiles.. This provides you with the widest chance of being accepted at the lowest rate possible from our panel based on your criteria… all in one easy application process.


Buying a new or used car on finance is a very affordable way to either secure your first car or upgrade to a newer model. Our car finance calculator is a great way to work out exactly what you can afford to pay each month, and all car finance quotes are no obligation.

Our customer service team is highly rated because they do their best to make sure that you are comfortable with your selection. After all, such an exciting purchase should feel like fun, not like pressure. We are here to guide you and to help you secure the best deal. No more waiting in the rain!

*representative APR of 19.8%

This is why our customers give us an average.
Trustpilot score of 4.8/5


Great experience, so easy to use and very helpful. I can’t thank Quick Car Finance and Becki enough when I was being messed about by the dealership. She found me a new car that was perfect. Very quick service and so helpful and professional. Would highly recommend.

Courtney Jade Lenwey


Getting a car loan through Quick Car Finance is just easy. The staff are very helpful and very polite. They will help you to find a car dealer or a car... Thank you James Jackson, one of the staff of quick car finance who helped me to get a car.

Khen M.


Excellent service, very quick from enquiry to completion. Helpful and easy to deal with. Sorted out finances where other companies weren't able to. Highly recommended for a smooth and hassle free service.

Darren Mumford
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The UK's #1 for car finance

1 Quick Car Finance


2 CarMoney


3 Zuto


4 CarFinance 247


Quick Car Finance


1,940 reviews

Quick Car Finance


1,940 reviews

APPLY NOW* *representative APR of 19.8%

Search all cars available TO FINANCE

We've got you covered! Our customer portal has over 150,000 different cars available to finance in the UK for you to explore and choose from.


A range of car loan options

Our UK-based car finance lenders specialise in hire purchase (HP). A car 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, -meaning you don’t own the vehicle until the last payment is made.


Applying for car finance with
poor credit

Are you looking for car finance, but you’re worried about your poor credit? 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 car financing to people with bad credit.


Review your car finance options today

Try our car finance calculator

It is the perfect tool to finance your ideal car. The best part: it gives an instant quote to help you calculate how much you can afford and how many years to finance your car over.

Go to our car finance calculator

Find car finance deals near your location

Based on your location, we can help you find the best possible car finance dealer for your needs. Visit our locations page to see the main cities where we have a vast knowledge of dealerships, or contact us for more information on other areas.

See locations

Use our quick and easy application process

Our car finance application process is fast to complete and you could be driving away your perfect car today. The first step is to apply using our online form, which won't affect your credit rating.

Apply for car finance today

Car finance FAQs

Car finance is another method of purchasing a vehicle. It involves borrowing money for your car from a lender, which is then paid back to the lender with interest over a period of time that suits you. Financing a car spreads the cost over time instead of paying the price of the car upfront. There are lots of different kinds of car finance available designed to suit different needs, with the most common types of car finance available being hire purchase (HP) and personal contract purchase (PCP). Most car finance companies will be flexible with what kinds of car finance they provide. For example, we provide options for individuals with poor credit ratings and zero deposit car finance plans which can be more affordable.

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 lender. 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 UK 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.

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 applications from people who are looking for car finance with 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.

While you are paying your car finance repayments you cannot sell the vehicle as you do not legally own it. Once you have finished making your payments in full, you can then choose to sell the car if you wish to do so.

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!

If you’d like to pay off your car loan early you will need to contact your lender, as each lender is different. While some lenders may allow you to end your contract early without any additional fees, other lenders may incur an early repayment penatly charge if want to clear the full amount. Some lenders may also charge higher fees if you start to make higher repayments each month.

Missing repayments of your car finance will be reported to credit agencies and could impact your credit score. This will make it more difficult to borrow money in the future. If you are having problems paying your loan, you should get in touch with your lender as they will be able to provide options to help. As a result of missing payments you could eventually have any assets secured against the loan repossessed.

It can take a matter of minutes to be approved for car finance, however, this does depend on the lender, the type of loan, the car you’re looking to purchase, and your credit history.

The finance company is the legal owner of the vehicle until you have made the final payment. However, if the car is involved in an accident or has a parking fine, you will pay this as the registered keeper.

When you take out a car on finance, this can range from anywhere between 12-84 months. Shorter terms will mean you pay off the loan quicker but have larger monthly repayments, while longer terms mean the monthly repayments are lower.

The process for taking out car insurance on a financed vehicle is largely the same as with a vehicle you own. The main difference is that with a financed car, your lender will most likely require you to have full coverage insurance. Having full coverage insurance will mean your premiums will be higher.