Car Finance Based on Affordability, Not Just Credit History.

Spread the cost of your favourite car with finance plans tailored to your budget. Check your eligibility before you get started without any impact on your credit score.

No impact on your credit score.

Car finance tailored to you

As a finance broker, not a lender, we’ll do our best to find a budget-friendly deal for you.

Hire Purchase (HP)

HP finance allows you to spread the cost of the car by making monthly payments over an agreed term. It could be right for you if you want to buy the car at the end of the agreement, without making a large final payment.

Personal Contract Purchase (PCP)

With PCP finance, you make equal monthly payments over an agreed term. At the end of the agreement, you can decide to hand the car back to the lender, change it for another one or buy the car with an ‘optional final payment’.

No impact on your credit score.

Free car finance check in under 2 minutes. How does it work?

1. Apply & Get Approved

Fill in our quick form, and your details will instantly be entered into our approval system. One of our experienced finance advisors will then match you with the best lender available based on your affordability, not just your credit score.

2. Choose Your Car

Once we’ve got you the best offer on the market, one of our experts will help you choose the perfect car for your budget. We have many cars ready to choose from, but if you want something different, we can work with any dealer in the country.

3. Sign & Collect

Once you’ve found the right car, we have 2 options: either book a test drive and collect your vehicle, or we can arrange a home delivery so you don’t even have to leave the house.

No impact on your credit score.

100s of new & used cars to choose from

Here is an example of some of the offers available now.

And many, many more..

No impact on your credit score.

No impact on your credit score.

Frequently asked questions

How does car finance work?

The way car finance works is that you borrow money from a lender to cover the cost of your new or used car and then pay it back in affordable monthly repayments. There are several types of loan available and car finance is the catch-all term used to describe them.

Types of car finance

There are several types of car finance to choose from but the most common are hire purchase (HP), personal contract purchase (PCP), and personal car loans.

Hire Purchase

With hire purchase, the loan is secured against the car and you won’t own it until you’ve reached the end of your agreement and paid the ‘Option to Purchase’ fee. You might need to put down a deposit but it’s unlikely that you’ll have to agree to any mileage restrictions.

Personal Contract Purchase

Personal contract purchase loans are also secured against the vehicle, but you don’t automatically own the car when the loan term ends. Instead, you can choose to give it back, use any positive equity as a deposit in a new deal, or buy the car by paying the balloon payment. Monthly payments can be lower than with HP car finance, but you may have to agree to annual mileage limits.

Personal Car Loan

With a personal car loan, you typically receive the full amount in one go so that you can buy the car straightaway. You’ll then pay back the loan in fixed monthly instalments. Monthly payments can be higher than other forms of finance, but you won’t have to face any restrictions and can sell the car before the end of your loan term if you wish.

Choosing the best financing option for you

Deciding on the best car finance option for you will depend on your individual circumstances, the car you want to buy, and how you want to use it.

With with HP finance, you’ll own the car at the end of your loan term, but your monthly repayments might be higher than other options and you won’t be able to sell or change the car during your agreement. If you opt for a personal loan, you can do whatever you like with your new car, but your monthly payments might be higher. PCP car finance often offers the lowest monthly repayments, but you could have to agree to mileage restrictions, and you won’t automatically own the car at the end of the loan term.

Car finance with bad credit

At Car Finance Now, we don’t believe that having bad credit should stop you from finding car finance. We work with a panel of lenders including some who specialise in helping people with poor credit secure a loan. It can be more difficult to find a car loan with bad credit but it’s not impossible, even if you’ve been refused elsewhere. In fact, successfully keeping up with car finance repayments could even help to improve your credit score over time. Get a no obligation quote to find out more.

Will applying for finance affect my credit score?

When you apply with Car Finance Now, we’ll run a soft credit check to find out if we can find you an approval from one of the lenders on our panel. This may be noted on your credit report, but it shouldn’t affect your score. It’s only if you choose to proceed with a finance option that a hard credit check, which can impact your credit score, will be completed.

How quickly can I get a car loan?

With Car Finance Now, you can get a decision in minutes. Make an application, pop the kettle on, and you’ll have a decision by the time you’ve finished your tea. If we’ve found you an approval in principle, your dedicated account manager will give you a call to confirm your details and discuss the next steps.

Copyright © 2024 Connect Car Finance Ltd. All Rights Reserved. | FCA: 814244 | ICO: ZB664344 | +44 (0) 1617060245

Connect Car Finance Ltd. Registered office: 18 Faraday Rd, Liverpool, England, L13 1EH. Registered in England. (Company Number: 10418998) - (VAT Number: 303645428). Phone: +44 (0) 1617060245

Connect Car Finance Ltd is authorised and regulated by the Financial Conduct Authority, registration number 814244. Connect Car Finance is registered with the ICO (Registration Number: ZB664344).

We compare multiple lenders to help you find the best rate available from our panel based upon your individual circumstances. We do receive a commission. That commission is either a fixed fee per finance agreement, or a percentage of the total amount of finance taken. It can vary by lender but will not affect the interest rate offered or the total amount repayable. Further info on request. We do not charge you a fee for our services.

All finance is subject to status. We act as a broker, not a lender.

Good Credit from 4.5% APR, Average Credit from 19% APR, Bad Credit from 29.9% APR

Representative example: borrowing £6,000 over 5 years with a representative APR of 20.9%, an annual interest rate of 20.9% (Fixed) and a deposit of £0.00, the amount payable would be £156.07 per month, with a total cost of credit of £3.364.20 and a total amount payable of £9,364.20

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