Cars On Finance

Simply apply using our quick online finance form. We’ll contact our panel of up to 20 trusted lenders and aim to get you a decision within minutes. Your offers will be shared in your secure members area, and our team will be in touch to arrange the finance. If you haven’t already found a car, we’ll even help you source the perfect one.

Absolutely. Out of our 20 lenders, several specialise in helping customers with low or poor credit scores. Many of these lenders also offer zero-deposit options, so you won’t be excluded even if your credit history isn’t perfect. You can discover more by visiting our bad credit car finance page.

Hire Purchase (HP) allows you to spread the cost of your car across fixed monthly payments, and once the final instalment is paid, you own the vehicle outright. Personal Contract Purchase (PCP) usually offers lower monthly payments, with flexibility at the end of the agreement — you can return the car, pay a final balloon payment to keep it, or upgrade to a new vehicle.

Nearly all of our lenders accept zero deposits. However, if you do have a deposit or positive equity from a part exchange, this can help strengthen your application and may improve the finance rate offered to you.

We can often arrange finance and secure your new car the very same day. That said, we’ll always work at your pace — so whether you need a car urgently or want to take your time, you’ll be in safe hands.

Yes. We only work with reputable dealerships, and your personal car buyer will ask all the right questions on your behalf. Every car is also HPI-checked, so we can confirm its history and ensure it meets our quality standards before you buy.

Most lenders will need to see your driving licence, and in some cases proof of income if your details can’t be verified automatically. Don’t worry — we’ll let you know exactly what’s required for your application.

Yes. Many of our dealers accept part exchanges, and you can use the value of your current car as part of your deposit. This can help reduce your monthly payments, and if you have positive equity in your car, it could even improve the rate you’re offered.

We’re more than just a broker. Not only do we arrange your finance through our panel of lenders, but we also check the dealership is reputable, HPI the vehicle, review its history, help arrange delivery, and can even secure one of the UK’s best warranties for you. We’re with you every step of the way. Find out more about ChooseMyCar by visiting our About page.

No. We don’t charge our customers any fees. We’re paid by the lender once your finance is arranged — but we always ensure you’re offered the best deal available for your circumstances.