Car Finance

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If you’ve been searching the market looking for cheap car finance deals, apply through Personal Loans Now. We’ll show you a personalised comparison of the best car finance deals available. Our easy online application will present you with a list of ideal vehicle finance options. Whether you need to buy a car on finance for £2,500 or £25,000, we’ve got the solution to spread the cost at the best rates and 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, we can help make the process much simpler for you, so you can buy the car you need much quicker. Maybe 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, we can show you 40+ direct lenders with our car finance comparison. You can quickly and easily compare car finance deals with us. All you have to do is fill out one application to apply for car finance with us, 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 apply now, and follow the on-screen prompts. Before you do, you’ll need to ensure you meet the following eligibility criteria, which most of our lenders require:

  • 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 meet the above, you’re eligible to apply through us to find the best car finance company offers. Filling in our application form takes just 3 minutes to complete. It will ask you a few short questions about your personal details including employment and bank details. Once completed, we can instantly show you a personalised table of car finance options in real time. This means the data shown is accurate and up to date. You’ll be shown options from over 40+ direct trusted lenders who, like us, are fully 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, we can provide you with cheap car finance options ourselves if approved. 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’ll give you a speedy decision. In most cases, same day deposit into your bank account is available.

Our credit on demand system will show you the available lending options without a credit check. Once you have chosen the lender you want to continue with, your credit file will be checked as part of the approval. 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 high acceptance rates. We 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 the lenders best placed to help you. We even have high acceptance rates for poor credit car finance applicants, because we consider much more than just your credit score. If you can afford the repayments, there is a good chance you’ll be eligible for car finance. Don’t be put off if your credit score could be better. You’ll have access to the very best rates with a good credit score. However, you’ll still find many great options on 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. However, some lenders may require a small deposit as part of their terms. If you’re not required to pay a deposit, you can make a larger upfront payment to bring down the overall cost. In the long term, this means you can clear the debt quicker. We recommend that you check the credit agreement once you have chosen one a lender from our comparison table. If a deposit is required, you’ll be made well aware by doing so.

Can I Apply For No Credit Check Car Finance?

All direct lenders will require a search of your credit file during the application. This makes up a key part of the approval process. Whilst no credit check car finance can’t be offered, the comparison of car finance deals does not require a credit check. If you want to see all the offers without your credit rating being impacted, we can do exactly that. 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, if approved, you can receive the funds you need quickly. In most cases, this is the very same day. So, whether you apply for £1,000 or up to £25,000, you can receive funding directly to your bank account the same day. If your application for car finance is outside of working hours (9-5 PM), you won’t receive the funds until the next day.

What is the Rates of Interest with Car Finance?

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. This is where the interest can increase, as well as decrease, during the loan agreement. For this reason, check the credit agreement for the interest rate applied before proceeding 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 can apply for car finance, we recommend seeking advice first if you’re in financial difficulty. As responsible authorised lenders, we ensure your finances are stable before lending. This way, you’ll avoid getting further into difficulties and harming your credit score even further. Many impartial financial advice organisations can help, including the Money Advice Service, who can provide free financial advice.

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

If you get into financial difficulty with a car finance loan, contact the lender ASAP, 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 in your credit agreement, you risk the lender taking legal action. They could reclaim missed payments or even the whole loan amount in full.

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Apply now for Car Finance Loans and get an instant decision!