Car Loans

We search the entire car loans market, so you don't have to, without affecting your credit score!
You can easily compare and choose the best loan for you, from £2,000 to £25,000.

Looking to get your hands on a new car but can’t afford it outright? Whether you’re in need of a new vehicle to get you from A to B, you want to take advantage of an upcoming deal on your dream car or it’s just time for a new one, cheap car loans open up the automotive market to you without putting strain on your pocket. At Personal Loans Now, we offer online car loans for amounts between £2,000 and £25,000 as a direct lender and can provide access to 40+ additional lenders in the market as a broker, to ensure you’re always getting the best rates.

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Get Car Loans in the UK With Personal Loans Now

There’s nothing quite as nerve-wracking as sitting in the office of a car dealership, waiting to find out if your finance application on your brand new car has been approved. At Personal Loans Now, we take away the stress and anxiety of waiting for that all-important decision by offering you instant decisions on our personal car loans, with high acceptance rates whatever your credit history. We conduct full credit and affordability checks to ensure that you are never left at a loss with our loans and ensure that every low interest car loans we provide are safe, secure and set up to suit your financial budget.

As a cheap car loans direct lender, we can offer you the funds you need directly, taking you from the initial application all the way through to acceptance in just a few minutes. If we are unable to accept your loan application or find a better offer for you, we will compare car loans in the UK and provide you with a personalised table of the best deals from our 40+ lenders, giving you peace of mind that you’ll always be getting the top deal on the best car loans in the UK.

Drive Away In Your Dream Car With A Car Loan

Drive Away in Your Dream Car With the Cheapest Car Loans in the UK

New, used, dream car or for convenience – we don’t judge. We understand that everyone has their own reason for buying a new or used car and for that reason, we don’t ask any awkward questions throughout your application. You could drive away in your dream car sooner than you think, with a simple application process and an instant decision so you aren’t left in the dark.


With many cheap car loans in the UK available depending on your needs, you could secure the loan against your vehicle, finance a new car, or take out loans on a logbook. We’re proud to be flexible, fast and safe regardless of the funds you need, ensuring that applying for a car loan is as stress-free and as minimally disruptive as possible.

You can even use our Credit on Demand app, offering a quick application on the go. Search for your dream car, then apply for the loan you need right then and there. You can borrow without any paperwork and organise repayments in manageable instalments that suit your budget best. Our application isn’t the only thing you can do on the go, either – you can manage what you’ve borrowed from the app too, offering full flexibility and convenience with your car loan.



What Are Cheap Car Loans?

At their core, car loans are an affordable way to get the vehicle you need without having to front the cost straight away. Operating in a similar way to a personal loan, car loans allow you to make the purchase, then repay what has been borrowed in manageable instalments over an agreed loan period, plus any interest that you build up.

Car loans can be a cheaper alternative to showroom-driven finance, with the opportunity to pay for the car upfront without having to enter into any agreements with the dealership. The car will be yours – all you have to do is meet the agreed repayments with your lender. We can offer car loans directly or provide access to over 40+ lenders if they can offer a better rate on your chosen loan amount. We aim to be transparent throughout the entire process, which is why we provide you with alternative loan options so you can see and compare rates to find the best one for you.


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How Much Can I Borrow?

When you apply for car loans with Personal Loans Now, you can borrow anything between £2,000 and £25,000 depending on the car you’ve chosen and your current financial situation. Borrowers that have a poor credit history can borrow up to £7,500 without the need for a security or guarantor, but a higher credit score will likely get you better deals and higher loan amounts.

As an FCA approved lender, we will only accept applications for loans that you can feasibly afford, taking into account your credit score, the results of our affordability checks and your current financial situation. We personalise every loan we offer to the borrower in question, ensuring that you are never taking on more than you can afford and that you can safely borrow without fear of defaulting.



Personal Loans Now Are On Hand To Help

At Personal Loans Now, we are proud to be both a direct lender and a broker, ensuring that every applicant has their best chance at getting the car loans they need to purchase a new vehicle. We offer one simple application that will give you access to not only our loan options but to the lenders on our trusted panel. You can get personalised rates that are tailored entirely to your financial situation, with real-time updates on what lenders are charging. From there, you can choose the loan that suits you, and we will only ever send your details to lenders that you give us permission to contact on your behalf.

Online Application Process

Our application process is easy, with one application that provides you access to over 40 lenders, including us. It’s entirely online and can be easily filled out either right here on our website, or through our brand new Credit on Demand app. Whichever method you choose, you’ll only have to enter your details once. There are no unexpected fees to worry about and we will search the entire market on your behalf, meaning there will be no unnecessary searches on your credit history. We eliminate the pressure of pushy sales pitches from finance companies, offering you a straight-to-the-point application that gives you the car loan you need without fuss.

Apply now for a car finance personal loans form a responsible lender - Personal Loans Now
Apply now for a car finance personal loans form a responsible lender - Personal Loans Now

High Acceptance Rates for Poor Credit Car Loans

With over 50,000 acceptances under our belts already, we are always happy to accept new applications and with our high acceptance rate, you can apply for your bad credit car loans with confidence. We are FCA-authorised, meaning that we’ll never offer you bad credit car loans that you can’t afford according to your current financial situation, so you can gain access to the funds you need without having to worry about whether it’s safe to apply.

We have a UK-based team on hand at every stage of your application to offer advice, support and guidance on how to apply, our charges and anything else you might want to know in order to ensure you’re ready to submit your application.

We Are A Bad Credit Car Loans Direct Lender & Broker

At Personal Loans Now, we are not just a lender – we are also a broker and will always provide you with a personalised list of the lenders most likely to accept your car loans application and provide you with the best rates. Within just three minutes, we can provide you with a comparison table, so you can apply for the car loan of your choice with the knowledge that you are getting the best possible deal for your chosen loan amount and the repayment period.

We utilise a premium brokerage platform, Monevo, to compare over 40 different lenders from across the UK, all of whom use responsible lending practices and work within the FCA’s lending guidelines. We take safety and security seriously here at Personal Loans Now, and will always work to provide you with not only the best deals and fastest experience but a safe, stress-free and reliable lending and brokerage service for your car loans.

All of the offers that we show you will be pre-approved, and while we cannot guarantee that the application will be successful all the way to completion, we will direct you to lenders who are most likely to accept your application.


Can I Get Bad Credit Car Loans with No Guarantor?

In short – yes! However, if your credit score is currently poor, you should be aware of the fact that your options may be more limited. For example, you may only be able to borrow up to £7,500 with bad credit car loans through us, with limits varying between the other lenders in our panel. In addition, you may find that the interest rates on offer to you are also higher on your car loans if you have bad credit, but may still be more limited than traditional finance options from a dealership.

Am I Eligible For Car Loans in the UK?

At Personal Loans Now, we are proud to be a responsible, FCA-approved lender and for that reason, we operate within strict criteria to ensure the safety and financial security of all of our applicants. Alongside our credit checks and affordability assessments, you should also meet the following criteria:

  • You must be over the age of 18
  • You must be a resident of the UK
  • You must have a valid UK bank account
  • You must have some form of regular income

Within the application, we will ask you questions regarding your employment status, your address and your income details, all of which will be used to determine whether you can feasibly afford the loan you are paying for. We want to lend to you, but we take financial security seriously and will never lend to an applicant who may put themselves in financial risk if they were to take out a loan.

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Can I Get the Best Car Loans Rates?

We always offer real-time rates for not only our own car loans but for all loans offered by our panel. Getting the best car loans at the time of application will depend on a few different factors, including your credit health, how much you’re looking to borrow and for how long. Those with bad credit may find that they won’t be offered the same rates as someone with good or excellent credit but could still be eligible for fair rates in the industry.

We will do the searching for you, reducing not only the stress of finding lenders but cutting down the time you’d spend doing so. We’ve made it our mission to make lending accessible to everyone, regardless of your credit history, how busy your schedule is or how much you need. We will find the best rates for you without checking your credit history more than once to ensure that your credit score isn’t affected.

What Can I Use Car Loans in the UK For?

Our car loans are designed to be used when buying a new or used car. If you want to use the money for other purchases or expenses, such as home repairs or for consolidating your debts, we have other loans available to ensure you get the right terms for your needs.

What Should I Do If I Miss A Repayment On My Car Loan?

If you believe you are going to miss a repayment due to insufficient funds, it’s important to contact us or your lender immediately. We are happy to discuss solutions with you in order to protect both you and your loan agreement. You should always make note of any late fees before you apply, but in some cases, lenders might not charge you for this providing the payment is made and they are aware that it is going to be late.

This will differ from lender to lender, so it’s important to do this research for yourself so you aren’t left out of pocket or in further financial trouble. All FCA-approved lenders, including Personal Loans Now, should refer you on to Free Debt Advice if you are struggling to repay the loans, who can offer support and guidance for getting back on track.

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Apply now for Bad Credit Loans and get an instant decision!