Frequently Asked Questions

Find everything you need to know about our car finance offers and how the process works at Quick Car Finance from start to finish.


Is Quick Car Finance a broker or a lender?

Quick Car Finance is a car finance broker which is authorised and regulated by the Financial Conduct Authority. We proudly offer over 48 tiers of car finance to help customers across the UK to get the best finance deals possible. We compare rates across the market and connect you with reputable dealers so that you get the lowest prices and your quotes are not driven by inflated pricing or commission-based models.

What type of vehicles can I purchase through Quick Car Finance?

We offer finance for all kinds of vehicles including cars, vans, bikes, motorhomes and caravans.

What car finance products do you offer?

We offer a wide range of car finance options, which fall under Personal Contract Hire (PCP), Hire Purchase (HP) and Personal Loans. Personal Contract Hire and Hire Purchase are secured against the vehicle, meanwhile Personal Loans are unsecured.

How much can I borrow?

Customers can apply to borrow £3,000 to £150,000 over a period of 12 to 84 months.

How do I apply?

Our entire application is online and you can get a provisional quote in less than 5 minutes.

How long does it take to get a decision?

Quick Car Finance provides instant quotes upon completing the application and if you wish to continue, the final checks are usually completed on the same day. We offer a tiered pricing structure for different credit histories - so that you can get the lowest rate possible and will not pay more due to market rates or commission-driven deals.

What information do I need to provide?
  • Your budget
  • Your credit status
  • Type of vehicle
  • Type of driver's license
  • Employment details
  • Monthly income
  • Address
How do you ensure that I get the best deal?

We put every customer into a tier structure, based on their budget and affordability and ensure that they get the best terms possible and are not overcharged by car dealers or commission-driven models. You can use our car finance calculator to check your eligibility. We have strict rules for all the car finance companies we work with to make sure that the customer gets the best price and we check every vehicle and the dealer so that the process is safe and as smooth as possible.

Do you transfer funds to the car dealer?

Yes, we transfer funds directly to the car dealer of your choice, or a reputable dealer that have worked with before and can recommend. You can find our list of recommended car dealers based on your location

How soon can I receive funds and purchase a new car?

The funds are transferred to the car dealer of your choice usually within 24 to 48 hours.

Do you offer part exchange as part of a deposit?

Yes, our finance partners and car dealers are usually willing to take a view on part exchange. So if you are looking to trade in your existing car, you may be able to use this to pay for either full or part of your deposit for a new vehicle.

Do I need to pay a deposit?

Yes, you will typically need to make a deposit of a minimum of 10% of the car value, however, this could be higher or lower depending on your circumstances and what level you feel comfortable with.

We work with companies that offer 0% deposit on car finance and if you are looking to do a part-exchange or trade in your existing car, this may be able to cover your deposit too.

Will applying affect my credit score?

No, applying for car finance through Quick Car Finance will not impact your credit score. When checking your eligibility, we will use a soft credit check which vanishes immediately after conducting a search. If you are looking to proceed with the offer, the finance provider will run a hard credit search to check your credit history. This search remains on your credit report for 12 months, but does not make any negative impact to your credit score.

Can I apply with a bad credit rating?

Yes, we work with a number of car finance companies and dealers who are willing to take a view on bad credit histories and people with a history of arrears and CCJs. For more information, see car finance for bad credit.

Can I get car finance if I am self-employed?

Yes, you can apply for car finance if you are self-employed, whether driving is part of your occupation or not. Our customers are not treated any differently because they are self-employed. You can simply check your eligibility using our calculators or submit an online application.

Who can I contact for more information?

For any further questions about car finance and what we can offer, you can speak to our friendly team of advisors on 0330 822 6446 or email us at [email protected].