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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.


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 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.

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.

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Why Choose Us For Your Car Finance?

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 the UK’s leading alternative finance provider. By focusing on ethical and responsible lending, we’ve provided loans for over 65,000 people just like you who may have experienced bad credit in the past. We finance over 2,000 new customers every month which is set to rise to 3,000 by December 2016 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 bad credit rating and get them back on track.

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2nd in The Sunday Times Virgin Fast Track Top 100


Some Of Our Awards

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Customer Feedback

“I have been with them for over 2 years, I have always found them to be polite, friendly & very professional. On any occasion nothing has been too much trouble. I would highly recommend them & I will continue to use them in the future.”

Stephen, TrustPilot

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“Excellent service, very quick application, the staff talk you through everything could not be happier with the car I chose , cannot thank the polite and friendly staff for all there help.”

Deborah, TrustPilot

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“The car finance company are great they have help me get the car that I wanted and was great that they made sure I was happy with all the figures before going ahead.”

David, TrustPilot

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“Best customer service ever it’s great to have a company talk to you and treat you with respect will share this company with friends and family I know where I stand with my agreement it was all explained to me well and was easy to understand.”

Alex, Google Reviews

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“I would recommend this company to anyone in need of finance. Very quick service. Lovely representative who is very professional. No nonsense – evaluated my income and expenditure accordingly then recommended the right finance plan for me . Even gave me ideas of ways I could pay off the finance quicker. Explained everything clearly, the finance company don’t judge customers and are true to their word. Very happy with my car and APR”

Nadz, TrustPilot

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“The whole process from start to finish was exceptional. I never thought I would be approved for car finance but the whole experience was fast easy and personal.”

Jillian, TrustPilot

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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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Request Your Agreement Number

Do you want to make payment using our payment portal but not sure what your agreement number is? Fill in the REQUEST YOUR AGREEMENT NUMBER form and we will send your agreement number to you so you can make payment on the go using our payment portal.

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