How it works?

Getting a car loan is easy - you just need to follow a few steps to get the most favourable offer possible

1

Apply for your loan

To apply for your car finance to borrow money, decide on the amount you need and the loan term. Our lenders will assess your application and provide feedback promptly.
2

Receive the money

If your application is approved, and you get a car finance quote, the funds will be deposited into your account the same day. Use the money towards your car purchase or other expenses.
3

Pay it back over time

Repay the loan through manageable monthly payments over 1 to 5 years, covering the borrowed amount and interest. Start your application now to access the finance you need for your next car or personal requirements. Apply today for a swift and straightforward process.

Our Lenders

We work with over 15 lenders offering 100+ HP and PCP deals so that you could have the best offer.

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Start a quote

Car finance calculator

With the help of the calculator you can roughly estimate possible car loan options

Finance calculator

£
  • 36 mo
  • 42 mo
  • 48 mo
  • 60 mo
This helps you get a more accurate finance estimate
Get results
Not sure about being approved?
Check finance eligibility
Won't affect your credit score. We are a credit broker.

Your estimated examples

These estimates are subject to credit checks, and may change if you do apply for finance.
PCP £113.36/pm
HP £174.39/pm
Loan amount£7,500.00
Length of Loan60 months
Monthly payment£0
Interest rate14.9% APR
Optional final payment£0
Amount of interest£0
Total payment£0

What does car no guarantor car finance mean?

No guarantor car finance means you take full responsibility for repaying the loan, without needing someone else to back you up. Simply put, you don’t need a third party to guarantee the loan if you face payment issues. This type of finance gives you control and independence, with the commitment to make payments on your own terms.

Can I get car finance with bad credit and no guarantor?

Yes, you can secure car finance with bad credit and no guarantor. Even if you have a low credit score, limited income, or are older, some lenders provide flexible options. To improve your chances, show that you can meet monthly payments reliably. Our team can help you find a car loan tailored to your needs without affecting your credit score. Contact us today to explore your options and start your personalised search for car finance with no guarantor, even with bad credit.

What do you need to apply for car finance

Comprehensive corporate health insurance plans typically cover a wide range of medical services and treatments to ensure employees receive comprehensive care, including:

To apply for car finance you need to

  1. Your name. This is your personal information that you provide on your auto loan application.
  2. Date of birth and nationality. This data is necessary to determine your creditworthiness.
  3. Your recent address history. This information helps the lender assess your stability.
  4. Tour employment status. Indicates your current job and income.
  5. Your income and expenses. Information about your financial situation.

Requirements

  1. Be aged 18-75 years old
  2. Requires initial deposit
  3. Receive a monthly income of £1,000 or above

Use the financial calculator

With the help of the calculator you can roughly estimate possible car loan options

Finance calculator

£
  • 36 mo
  • 42 mo
  • 48 mo
  • 60 mo
This helps you get a more accurate finance estimate
Get results
Not sure about being approved?
Check finance eligibility
Won't affect your credit score. We are a credit broker.

Your estimated examples

These estimates are subject to credit checks, and may change if you do apply for finance.
PCP £113.36/pm
HP £174.39/pm
Loan amount£7,500.00
Length of Loan60 months
Monthly payment£0
Interest rate14.9% APR
Optional final payment£0
Amount of interest£0
Total payment£0

How does car finance without a guarantor work?

No guarantor car finance starts with a quick online application on our website. Our team connects you with lenders who consider all credit histories, making the process straightforward and accessible. Applying through us won’t affect your credit score, so you can explore options risk-free. We streamline every step, making it easy for you to secure financing for your next car without any hassle.

Why apply for car finance without a guarantor with CarFinance?

We offer many favourable car loan options for your needs and select the best deals from reliable providers

Get your car finance online

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Get car finance options with no impact on your credit score.

Buy a car from any dealer

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Once approved, collect or get your car delivered to you.

Car finance quality assured

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We’ll do a thorough vehicle HPI, full-service history and MOT check. Buy with confidence.

Most popular questions

We've collected the most popular questions about car loans from our customers