GET YOUR QUOTES
You've come to the right place. Easily view multiple car financing options through a quick and easy single search. Navigating car financing can be confusing due to the array of available options.
We've streamlined the process by dissecting the various choices, outlining their pros and cons. This approach will help you to make an informed decision about how to finance your upcoming car. When you are ready to compare your options Click on ‘Get your Quotes’ to view the deals available for you.
With borrowing options ranging from £1,000 to £35,000 and flexible payment terms spanning one to five years with unsecured loans. Homeowners may even qualify for amounts exceeding £35,000. Checking your eligibility for a car loan is a straightforward process that does not impact your credit score.
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In cases where the borrower has a poor credit score a guarantor loan could be considered, involving someone not financially linked to you committing to repayments if needed. Potential guarantors include friends, family members, colleagues, neighbors, or landlords who trust you.
Through a Hire Purchase agreement, the standard procedure involves paying a deposit and settling the remaining cost through monthly instalments. Ownership of the car is not transferred until all repayments are fulfilled, typically spanning a period of one to five years.
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It is important to remember that a failure to meet repayments can lead to a negative impact on your credit rating
Personal Contract Hire, also known as leasing, effectively functions as a prolonged car rental arrangement. Within the contract, an initial rental is followed by fixed monthly payments, but ownership of the car is never transferred to the lessee. At the end of the lease period, the lessee can either return the car or enter into a new lease.
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Using your personal savings is likely the most cost-effective means of financing a car, although accumulating sufficient funds for your desired vehicle can pose challenges at times.
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A personal car loan is an unsecured loan designed for the purchase of a new or used car. This type of loan entails borrowing a fixed amount from a lender, which is then repaid in monthly instalments along with interest over the agreed loan term.
Hire Purchase (HP) involves a financing arrangement where the finance is secured against the car's value. Ownership of the car is not transferred until the final payment is made. To initiate an HP agreement, you must purchase the car from a lender-approved dealership, making monthly instalment payments with interest over the agreement term. Some lenders may require an initial deposit at the beginning of the agreement.
With no-obligation service, you can perform a car finance eligibility check for both personal car loans and hire purchase agreements. If eligible for both, you'll see both options in your search results. Importantly, checking eligibility with us does not impact your credit score.
The amount you can borrow depends on your individual circumstances. Personal loans typically range from £500 to £35,000 over 1 to 7 years. Homeowners may consider homeowner loans ranging from £5,000 to £500,000+ over 1 to 30 years. Credit card limits vary based on personal circumstances. For car finance, we can assist in comparing hire purchase (HP) and personal contract purchase (PCP) agreements, offering options for borrowing up to £200,000 over 1 to 6 years.
Here are key distinctions between personal car loans and hire purchase (HP) agreements:
Borrow larger amounts between £3,000 to £1,000,000 with a secured homeowner loan over longer terms from 1 to 35 years
Borrow smaller amounts between £500 to £35,000 with an unsecured personal loan which can be repaid over 1 to 7 year terms
Looking to buy new, or second-hand, we can help arrange the best deal for your requirements with finance available from £1,000 to £60,000
Roll multiple repayments into one, reduce the interest you’re paying or spread your debts over a longer term to reduce your repayments
Time for a new kitchen, big extension or just a lick of paint, we can find you tailored personal loan options to fund your next project
We are one of the UK's leading Bridging loan brokers, click here to visit our dedicated bridging website. Access the lowest UK Bridging Loan Rates for June 2026 from our master brokerage
Authorised & regulated by the Financial Conduct Authority
We’ve teamed up with ClearScore Everywhere Limited, one of the UK’s leading digital marketplaces for financial products, to help you find the financial solution that you’re looking for. ClearScore acts as a Credit Broker not a Lender. If you take out or are introduced to a loan or credit card provider, ClearScore will receive payment from that lender. ClearScore will also receive payment from the lender if you take out or are introduced to a mortgage broker for the purposes of first and second charge mortgage products. The amount received may vary dependant on the lender, yet it will not impact the amount you pay back to the lender. In addition, ClearScore also work with credit brokers and other service providers such as debt solution firms, and as such we will also receive payment should you be introduced to any of these. EquityOne Finance Ltd acts as a credit broker and earns a commission if you choose to take out a loan. A soft credit check will be done to provide your loan quote, which won't affect your credit rating. Your chosen lender may carry out a full credit check if you proceed to application.
ClearScore Everywhere Limited, trading as ClearScore. Address: Vox Studios, 1-45 Durham Street, London, UK SE11 5JH.
Registered in England & Wales 06297533. VAT Registration Number 257 0001 44.
BOE Base Rate: 4.25% at June 2026
Representative example
14.26% APRC Representative (variable)
Representative example (if you choose to add fees to the loan): assumed borrowing of £25,000 over 7 years, plus a broker fee of £2,850 and lender fee of £367.50 would result in monthly repayments of £509.96, the borrowing rate is 12.78%, the APRC is 14.26% (variable), total charge for credit would be £14,619.14 and the total amount payable would be £42,836.64. ClearScore acts as a Credit Broker not a Lender
