Car Loans

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Looking to get your hands on a new car but can’t afford it outright? If you need a new vehicle to get you from A to B, you want to take advantage of the best car loans. 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, we can provide access to 40+ additional lenders in the market as a broker. This ensures 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 waiting to find out if your finance application on a brand-new car is approved. At Personal Loans Now, we take away the stress and anxiety of waiting for that all-important decision. Offering you instant decisions on our personal car loans, with high acceptance rates. We conduct full credit and affordability checks during application. This is to ensure that the low interest car loans we provide are safe, secure and suit your 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, we will compare car loans in the UK. We’ll provide you with a personalised table of the best deals from our 40+ lenders. You’ll always be getting the top deal on the best car loans in the UK through us.

Drive Away In Your Dream Car With A Car Loan

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

We understand that everyone has their own reason for buying a new or used car. 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, you aren’t left in the dark.


With many cheap car loans in the UK available, you could secure the loan against your vehicle in different ways. Finance a new car, or take out loans on a logbook, we’re proud to be flexible. Our fast and safe application ensures that applying for a car loan is as stress-free 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 there and then. You can borrow without any paperwork and organise repayments in manageable instalments. 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. Operating similarly to a personal loan, car loans allow you to make the purchase up front. Then, you repay what has been borrowed in manageable instalments, over an agreed loan period. This includes any interest charged as detailed in the credit agreement.

Car loans can be a cheaper alternative to showroom-driven finance. You can 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 finance directly or provide access to over 40+ lenders if they can offer a better rate. We aim to be as transparent throughout the entire process as possible. This is why we provide you with alternative loan options. You can see and compare rates to find the best one for you with ease.


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How Much Can I Borrow?

When you apply for car loans with Personal Loans Now, you can borrow between £2,000 and £25,000. This depends 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 a security or guarantor. 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. The results of our affordability checks and your current financial situation are considered. We personalise every loan we offer to the borrower in question. This ensures that you are never taking on more than you can afford. We want to ensure 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. We ensure 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 gives you access to not only our loan options, but to other lenders. You can get personalised rates that are tailored entirely to your financial situation. This is with real-time updates on what lenders are charging. From there, you can choose the loan that suits you. 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. It’s entirely online and can be filled out either right here on our website, or through our 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. This means there will be no unnecessary searches on your credit history. We eliminate the pressure of pushy sales pitches from finance companies. We offer 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. With our high acceptance rates, you can apply for your bad credit car loans with confidence. We are FCA authorised, meaning that we won’t offer you bad credit car loans that you can’t afford. You can gain access to the funds you need without worry if it’s safe to apply or not.

We have a UK-based team on hand at every stage of your application to offer advice and support. From how to apply, our charges and anything else you might want to know. We can help 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. We will always provide you with a personalised list of lenders. This will show whose 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. You can apply for the car loan of your choice with the knowledge that you are getting the best possible deal available.

We utilise a premium brokerage platform 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. We will always work to provide you with only the best deals and the fastest experience. A safe, stress-free and reliable lending and brokerage service for your car loans.

All the offers that we show you will be pre-approved. We cannot guarantee your application will be successful. However, we will direct you to lenders who are most likely to accept.


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 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. Limits will vary between the other lenders in our panel. In addition, you may find that the interest rates on offer to you are higher on car loans if you have bad credit. But they may still be more limited than traditional motor 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. We operate within strict criteria to ensure your safety and financial security online. 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, you’ll be asked questions regarding your employment status, address and 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. We 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 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. This includes your credit health, how much you’re looking to borrow and for how long. Those with bad credit may find they won’t be offered the same rates as someone with good or excellent credit. This could still be eligible for fair rates in the industry.

We will do the searching for you, reducing the stress of finding lenders, but also 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. This ensures 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. You can use the money for other purchases or expenses, but we have other options. Home repairs or consolidating your debts is possible, but we have other loans available for this. This is 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, contact the lender immediately. Lenders 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. In some cases, lenders might not charge you for this. This is providing the payment is made, and the lender is 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. This is so you aren’t left in further financial trouble. All FCA-approved lenders, including Personal Loans Now, should refer you on to Free Debt Advice to help. They can offer support and guidance for getting back on track if you need it.

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