Clear from the start
We explain our broker role, representative APR, commission and important risks before you make a decision.
Car finance, made simple
Explore car finance for your real budget.
Start with a quick eligibility check. We compare options from a selected panel, not the whole market, and explain the next step without jargon or pressure.
FCA authorised for credit brokingSoft search where availableUK support team
Where available, the initial check uses a soft search. A provider may use a hard search before a final decision. No obligation to proceed.Selected panel, not the whole market. Credit broker, not a lender. Representative 19.9% APR.
Why We Do Car Finance
Straight answers. Sensible next steps.
Car finance can be complicated. Our job as a credit broker is to make the route clearer, introduce your enquiry to a relevant panel provider and keep you informed.
A selected panel
We work with lenders and brokers covering a range of circumstances. We do not search the whole market or promise approval.
People when you need them
Ask a real person about the process, the information requested or support that would make the journey easier.
Understand your options
Different routes. One clear comparison.
Ownership, mileage, upfront cost and the length of time you keep a car all affect which type of agreement may be suitable.
HP
Hire Purchase
Fixed monthly payments with a clear route to owning the car after the final payment and any option-to-purchase fee.
Read the guide PCPPersonal Contract Purchase
Monthly payments cover part of the vehicle value, followed by choices at the end of the agreement.
Read the guide GUARGuarantor car finance
An option where another person agrees to support the repayments if the borrower cannot make them.
Read the guide £0No-deposit car finance
Explore agreements that may not need money upfront, subject to lender criteria, status and affordability.
Read the guide REFIVehicle refinancing
Replace an existing agreement with a new one where doing so is suitable and available.
Read the guide PCHPersonal Contract Hire
A fixed-term vehicle rental with mileage and condition terms, without ownership at the end.
Read the guide BCHBusiness Contract Hire
A vehicle rental route for eligible businesses that want predictable costs without ownership.
Read the guideHow it works
Four steps from question to keys.
A simple route, with clear hand-offs and no promise of guaranteed acceptance.
- 01
Check eligibility
Tell us the basics and start with a soft search where available.
- 02
Review an option
A selected panel provider assesses your circumstances and the vehicle.
- 03
Read the details
Compare the APR, monthly amount, term, fees and total payable.
- 04
Choose your car
Proceed only when the agreement and vehicle are right for your budget.
Your circumstances matterNot just a headline score
Real life is rarely tidy
Tell us where you are now.
Self-employed, building your credit, receiving benefits or previously declined? Our guides explain what lenders may consider and where the limits are. We do not judge, and we do not guarantee an outcome.
Explore eligibility guidesRepresentative example
Representative 19.9% APR
A complete example for a Hire Purchase (HP) agreement. Your rate and payments may differ because they depend on your circumstances and the provider's assessment.
- Agreement type
- Hire Purchase (HP)
- Cash price
- £12,000.00
- Deposit
- £0.00
- Amount of credit
- £12,000.00
- Interest rate
- 18.29% p.a. fixed
- Duration
- 60 months
- Repayments
- 60 monthly payments
- Each repayment
- £306.60
- Other charges
- £0.00
- Total charge for credit
- £6,396.00
- Total amount payable
- £18,396.00
- Representative APR
- 19.9% APR
The vehicle may be used as security and could be repossessed if you do not keep up repayments. Finance is subject to status, affordability and provider criteria. There are no additional charges in this example. We are a credit broker, not a lender.
Our role
A broker who makes the next step clearer.
We introduce applications to a selected panel of lenders and brokers. We do not search the whole market, we do not lend the money and we cannot guarantee acceptance. What we can do is explain the route, the information needed and the offer you receive.
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