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You can now make payment using our automated payment system. Just call 02392 448 500 and press option 2 then option 1. Please note you will be asked for your agreement number.

Car Finance Calculator

Calculate your loan immediately

Loan Amount
Loan Amount

£5200

Period
Period

29 months

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Representative example – Vehicle price £5600.00, annual interest rate 25%, charge for credit £4200.00 (inc. option to purchase fee of £10.00), total amount payable £9810.00, 36 monthly instalments £272.50. Representative APR 49.6% – subject to status.

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Car Finance Explained

We are not a third party provider or a finance broker, this means that when taking out a finance agreement with us, it is actually with us, The Car Finance Company and not a company you have never heard of.

Hire Purchase is one of the most common types of finance, it is really simple – you hire the vehicle and make monthly repayments until you have paid off the agreed finance. Once all the payments have been made the car becomes yours.

Hire Purchase is a suitable form of car finance for people who struggle to get other forms of credit such as personal loans, people with all kinds of credit ratings as well as people who do not want to pay cash for a vehicle. It is a convenient way to pay for a vehicle based on budget and credit profile so you can get monthly payments which are affordable.

Specialists in bad credit car finance

If you have bad credit and are looking for car finance, then we can help. We specialise in helping customers who may have experienced bad credit in the past and who want to obtain finance for their next car purchase.

Do you have a CCJ? Are you in an IVA? Are you self-employed? We have helped customers in all sorts of circumstances. Our car finance specialist team are friendly and approachable and we understand that everybody’s credit ratings and situations are different, which is why we base our decisions on your current affordability and not just your history.

We want to help you find your perfect car that suits your needs at an affordable monthly cost.

We have partnered with the Money Advice Service so we can provide you with access to helpful tools which can enhance your knowledge on money management.

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Apply Online Now

We’ve made sure that applying for car finance is as simple and straight forward as possible. Completing the online form will only take 1 minute of your time. Our friendly and helpful advisors are trained to provide sensible advice based on our ethical lending principles.

As a responsible lender we will only approve loans when we are completely satisfied that your repayment schedule is manageable within your current financial situation. 49.6% Representative APR.

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About Us

Since 2007, The Car Finance Company has grown to become Europe’s leading alternative finance provider. By focusing on ethical and responsible lending, we’ve provided loans for over 55,000 people just like you. We finance nearly 2,000 new customers every month which is set to rise to 3,000 by December 2015 and we currently approve over 50% of all applications we receive.

For the past 7 years we have ensured our customers have been treated fairly, with dignity and respect. By providing transparent, affordable loans and being open and honest with our customers, we have helped them rebuild their credit rating and get them back on track.

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2nd in The Sunday Times Virgin Fast Track Top 100

best-companiesbest-companies

Some of our awards

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Customer Feedback

“Until I purchased a car on finance back in August last year, I had honestly not heard of the Car Finance Company. But, my first experience was one that I was extremely impressed with. The member of staff dealing with my application was polite, very helpful and extremely professional. I would definately recommend and consider the Car Finance Company in the future. Thankyou”

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“My local dealer told me about this firm helping people like me and after a few basic checks I was approved and I’ve got a new 7-seater. Thank you.”

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“The car finance people, have helped me get on track with money borrowed. I can responsibly pay for my car each month with no hassle.”

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“I have had a very good experience with this company they have viewed my application individually and have offered me good customer service.”

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“I was accepted with The Car Finance Company where others had declined me. I was extremely grateful. the loan was offered over a shorter period of time too, which also suits me. Thanks very much.”

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“Can I just say what a fantastic company, who have certainly got the right idea. They always put their customers first and understand everyone as an individual.”

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Our Approved Dealer Network

We recognise that when looking to buy a used vehicle you want to buy with confidence and peace of mind. As a finance provider we work with hundreds of car dealers across England, Wales and Scotland who form our approved dealer network so you can find the perfect car to suit your needs.

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Click to apply for finance

Apply for a transparent, affordable loan with our 1 minute application process.

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