Car Finance

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If you’ve been searching the market looking for cheap car finance deals, apply through Personal Loans Now and we’ll show you a personalised comparison of the best car finance deals available. Using our easy to use online application, fill in a few short details and we’ll present you with the ideal list of car finance options for you. Whether you need to buy a car on finance for £2,000 or £25,000, we’ve got the ideal solution to spread the costs all at the best rates and repayment terms. Click apply now today and you can have a decision within just 3 minutes.

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Bad Credit Car Finance Options

Buying a car can be a long process that takes a lot of consideration, especially if you have a tight budget or a poor credit rating. The good news is, at Personal Loans Now we can help make the process much simpler for you, so you can buy the car you need much quicker. Whether it’s a brand new, low mileage vehicle you need cheap car finance for or second hand car finance for a used vehicle, we have some of the best car finance deals you can find on the market today.

Even if your credit history has seen better days, you may still be eligible for car loan finance through us. Using our credit on demand system through, we can show you over 40 direct lenders with our car finance comparison so that you can quickly and easily compare car finance deals; all you have to do is fill out one application to apply for car finance with Personal Loans Now and we can get started.

Getting a Car on Finance – How Do I Apply For Car Finance?

Getting a Car on Finance – How Do I Apply For Car Finance?

We’re happy to provide an efficient service to help you find the car finance options that work for you. All you have to do is click the apply now button and follow the on-screen prompts, but before you do, you’ll need to ensure you meet the following eligibility criteria:

  • You are a UK resident
  • You are 18 years of age or over
  • You hold a UK bank account
  • You have a regular source of income


If you can say yes to the above, then you are eligible to apply through us to find the best car finance company offers. Filling in our application form takes just 3 minutes to complete and will ask you a few short questions about your personal details, employment and bank details. Once complete, we can instantly show you a personalised table of car finance options in real time, meaning the data shown is accurate and up to date. You will be shown options from over 40 direct trusted lenders who, like us, are FCA authorised. Then all you need to do is select the best option for you.



Direct Lenders of New Car Finance & Used Car Finance

As a direct lender of car finance, at Personal Loans Now we can provide you with a cheap car finance option ourselves if we approve your application. This means we can deposit your account directly on the same day once approved and we have your correct bank details. If we cannot approve your finance application, this doesn’t mean you are out of options. We will show you the direct lenders who are best placed to offer you the car finance you want. Then all you need to do is decide between the many great car finance options available. Your application will then continue with your chosen lender who will give you a speedy decision, and in most cases, same day deposit into your bank account.

The best thing about our credit on demand system is it will show you all the available lending options without affecting your credit score. Once you have decided on the lender you want to continue your application with, your credit file will be checked as part of the lender’s approval process. The car finance comparison is the ideal way to find the best deals all without your credit score being impacted; try it yourself by clicking apply now today.


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High Acceptance Rates with our Car Finance Deals

We are proud to say we have a high acceptance rate and have already helped over 50,000 applicants just like you find the best car finance deals available. Whilst we cannot offer guaranteed car finance, we can show you all of the lenders best placed to do so. If we can’t offer you the money you want, we’ll find you lenders who can. We even have high acceptance rates for poor credit car finance applicants, as we consider much more than just your credit score. If you have the affordability to make repayments, there is a good chance you’ll be eligible for car finance from one of our lenders, so don’t be put off if your credit score could be better. Whilst you’ll only have access to the very best rates with a good credit score, you’ll still find many great options if you apply for poor credit car finance deals.

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

Car Finance FAQs

Do You Offer No Deposit Car Finance Options?

Yes, you don’t have to put a deposit down for car finance through Personal Loans Now, but some lenders may require a small deposit as part of their terms. Even if you’re not required to pay a deposit, if you can make a larger upfront payment this can bring down the overall costs for the loan in the long term, meaning you can clear the debt quicker. We recommend that you check the credit agreement once you have chosen one of the lenders from our comparison table, where if a deposit is required, you will be made well aware.

Can I Apply For No Credit Check Car Finance?

All direct lenders will require a search of your credit file during the application, as this makes up a key part of the approval process. Whilst we cannot offer no credit check car finance, the comparison of car finance deals does not require a credit check. So, if you want to see all the offers available without your credit rating being negatively impacted, at Personal Loans Now we can do exactly that. But please note, once you proceed with an application, you will be submitted for a credit search to proceed with car finance.

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How Quickly Can I Receive the Funds With a Car Finance Application?

Once you have completed your application for car finance and as long as you are approved, you can receive the funds you need quickly, with in most cases this being the very same day. So, whether you apply for £2,000 or up to £25,000, you can receive funding directly to your bank account the same day. Of course, if your application for car finance is made outside of normal working hours (9-5), then most likely you will not receive the funds until the following working day.

What Can I Use Car Loans in the UK For?

At Personal Loans Now, our car finance loans are offered at a fixed rate of interest. This means that the interest will stay the same throughout the duration of the car finance agreement. The fixed rate of interest we charge is 39.37% representative APR, however, if we cannot approve your finance application, the rate of interest may change due to the lender. For example, some lenders may work with a variable rate where the interest can increase, as well as decrease, during the loan agreement. For this reason, please thoroughly check the credit agreement and check the interest rate applied before proceeding with an application with car finance. This way, you’ll ensure there are no surprises when it comes to applied charges.

I’m Experiencing Financial Difficulty, Can I Still Apply for Car Finance?

Whilst you still can apply for car finance, we recommend if you are experiencing financial difficulties that you seek advice first. As responsible lenders and with our commitment to FCA regulations, we need to ensure that your finances are in the best possible way before lending to you. This way, you’ll avoid getting further into difficulties and harming your credit score even further. There are many impartial financial advice organisations that can help, including the Money Advice Service, who can provide help when you need it most.

What Happens if I Miss Repayments on a Car Finance Loan?

If you get into financial difficulty after commencing a car finance loan, the first thing you should do is contact the lender at the earliest opportunity, especially if you expect to miss or have missed a due repayment. This way, the lender will be able to arrange appropriate details with you to continue with repayments. If you cannot make the agreed repayments set out in your credit agreement, the risk could be the lender taking legal action to reclaim the amounts missed or even the whole loan amount in full.

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