Car Finance made simple

Based on your affordability not just your credit!


Car Finance made simple

Based on your affordability not just your credit!


Choose your car

How it works?

Get a quote

By getting a quote from us, there will be no impact on your credit score. Your application will be assessed by our panel of lenders to find the best finance option which suits your needs.

You’re pre-approved

o account managers will be able to provide you with the best quote available. You’ll then know how much you are able to borrow, so you know exactly what your budget is when searching for a vehicle.

Finding your vehicle

Once you’re pre-approved our dedicated account managers will be able to provide you with the best quote available. You’ll then know how much you are able to borrow, so you know exactly what your budget is when searching for a vehicle.

Let us do all the hard work

After you've identified the car(s) you're interested in, we'll carry out dealer assessments and confirm car availability to help you in determining which car you'd like to proceed with.

Drive away in your new vehicle

It's time to sign your documents and hit the road! It's quick, convenient, and hassle-free.

Your Finance Options

When you want to finance a car, you need to find the option that's right for you. That's why we offer different types of car finance, including:

Hire Purchase (HP)
Conditional Sale (CS)
Personal Contract Purchase (PCP)

To banks, you're just a number, but to us, you're a valued individual.

Getting car finance might appear daunting if you're concerned about your credit history. However, we've established partnerships with some of the top car finance lenders in the UK. They focus on your current financial situation rather than past events. When considering your loan application, our finance partners prioritize your current and future ability to make payments. Your less-than-perfect credit history shouldn't prevent you from getting the car you require.

CFN helped me keep my car finance payments low

I initially reached out to Car Finance Now without much hope of being approved for credit, given an old default on my file. However, Helen was incredibly friendly and not at all pushy. She successfully negotiated a deal for me at 12% interest, which is nearly as good as a standard credit offer. Helen paid close attention to my desire to minimize costs, patiently addressing every question I had through back-and-forth communication, ensuring that all the necessary details were thoroughly covered.


Get a quote in minutes - with zero impact on your credit score!*

Frequently asked questions

Determining the most cost-effective way to finance a car depends on various factors, such as the type of loan, its duration, and the annual percentage rate (APR). It’s essential to note that the loan with the lowest monthly repayment may not necessarily be the most economical option, as you could end up paying more in interest over the loan term. PCP car finance might emerge as the most economical choice for you. Unlike HP and personal loans, PCP doesn’t require you to borrow the entire vehicle’s value. Instead, you borrow the disparity between the current price and the lender’s projected value of the car at the end of your agreement, known as the Guaranteed Minimum Future Value (GMFV). However, keep in mind that you won’t own the car at the end of your loan unless you opt to pay the balloon payment.

When you submit an application with Car Finance Now, we’ll conduct a soft credit check to determine if we can secure approval from one of the lenders in our panel. While this may be recorded on your credit report, it should not have an impact on your credit score. Only if you decide to proceed with a financing option will a hard credit check be conducted, potentially affecting your credit score.

You can apply for a car loan with Car Finance Now if you’re over 18 years old and have a minimum of three years’ address history in the UK.

At Car Finance Now, you’ll receive a decision within minutes. Simply submit your application, put the kettle on, and by the time you’ve finished your tea, you’ll have your decision. If we’ve secured you an approval in principle, your designated account manager will contact you to confirm your information and go over the next steps.

The cost of car finance generally includes the borrowed amount, the accrued interest, and any additional fees that you’ll be paying over the loan’s repayment period.

If you opt for HP car finance, your monthly repayments will go towards repaying a portion of the loan and the interest. The interest rate offered is determined by several factors, including your credit score. Improving your score could potentially qualify you for better rates.

Absolutely, we do accept part-exchanges.

When you part-exchange, it acts as a down payment for your new car, similar to a deposit. This lowers your overall loan amount, resulting in reduced monthly payments.


Having a part-exchange could potentially increase your chances of approval, as it means requesting a smaller loan amount, thus expanding your options. If you prefer to make a cash deposit, we gladly accept those as well!

We often assist customers who have faced rejection elsewhere.

If you’ve applied elsewhere, like at a bank, car dealership, or another car finance broker, and have been turned down, you might feel discouraged. However, that doesn’t mean all hope is lost. Some of our partnered lenders specialize in providing car finance solutions for individuals with poor credit. Rest assured, we’ll do everything we can to find the suitable finance option for you.

Working with a broad network of lenders allows us to aid customers with diverse credit histories in obtaining car finance. We frequently assist individuals with fair credit. Understanding the individuality of each customer, we carefully analyse your application to craft a tailored quote that meets your specific needs. With multiple suitable options available for customers with fair credit, we are confident in our ability to assist you in securing a competitive finance deal.

Absolutely, you have the flexibility to select a car from any reputable dealership in the UK! 

Once you’ve found a car that catches your eye, simply share the details with your account manager, and they will take care of the rest.

However, you’re not restricted to choosing a car from our search options. If you need assistance in finding the ideal vehicle, your account manager will gladly lend a hand. Just inform them of your preferences, and they will be happy to assist you in your search.

Get a quote in minutes - with zero impact on your credit score!*

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