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Finance Your Next Car In 3 Simple Steps

Need a new car? Finding out if you qualify for finance is as easy as 1,2,3.

Complete our simple form

To find out if you qualify for car finance, and for how much, simply complete our super simple assessment form. Takes less than 2 minutes.

We search the market

Through our strategic partners, we search a large panel of reputable lenders to source the best car finance deal.

Choose your car

Once you have your offer then you’re good to go. Head over to any reputable dealer and pick your car.

Why Use Affordable Car Credit?

Affordable Car Credit is one of the UKs leading car finance sites. Used by 1000s of people every month, we make the process of purchasing a new car fast, simple and convenient.

Borrow from £3,000 to £50,000 over a term to suit your budget and requirements. Got a history of bad or impaired credit? Not a problem, we may still be able to help.

To find out if you qualify simply click the “Get My Quote” button below, complete our short form and leave the rest to us.

Representative Example

Representative example: borrowing £6,500 over 5 years with a representative APR of 24.9%, an annual interest rate of 24.9% (Fixed) and a deposit of £0.00, the amount payable would be £166.07 per month, with a total cost of credit of £4,369.52 and a total amount payable of £10,869.52.

Rates from 6.9%: the exact rate you will be offered will be based on your circumstances, subject to status.

Question about Car Finance? Read on…

Whether you’re looking for a van to help your business, a motorbike for a leisurely Sunday ride or you’re finally biting the bullet and getting that top of the range Beamer that you’ve always said you would, Affordable Car Credit have the solution for you. However, it’s come to our attention that people aren’t always aware of the ins and outs of car financing, so we’ve decided to put together some helpful information to help you get your dream ride.

What Is Car Finance?

Probably the best place to start, car financing or a car loan in a nutshell is a loan that you take out for the sole purpose of purchasing a car but in a way that is designed to make the process more affordable.

Although there are numerous options available, the most common of these is by putting down a deposit and then paying monthly installments, generally over a period of 3-4 years.

Most lenders will have an option to buy the vehicle outright, however with car financing payments they do tend to be more spread out.

What Type of Car Finance Can I Get?

There are loads of different types of car finance payment plans available, we could write them all down but that would become very boring very quickly, so instead we’ve picked the three most common and summed up how they work.

Personal Contract Purchase (PCP): With a PCP car finance, it’s pretty straight forward. You pay a deposit at the start of the purchase, then go onto a fixed monthly plan similar to that of a phone or gym contract.

The more deposit you pay, naturally the lower the monthly repayments will be.

At the end you have the option to make what is known as a balloon payment. This will be a lump sum paid to the lender. In return you become the outright owner of the vehicle.

Hire Purchase (HP): Similar to the PCP method but slightly different. With Hire Purchase car loan you will still make a deposit and still pay in fixed monthly installments, however these payments will continue until you own the car outright.

This essentially means you are buying the car but instead of having all of the cash up front, you can split the cost over a much more affordable time scale.

Personal Loan: A personal loan is an unsecured loan that is agreed between you and the lender and after this is approved, the money is then transferred to the car dealer.

Eligibility rates are based on standard factors such as your income, credit status and affordability. Always remember that this is an unsecured loan so is not secured against the vehicle.

Just to make things as easy as possible to understand and make sure you know exactly what type of car loan would be right for you, we’ve put the three finance types mentioned side by side in a table. This way you can weigh up any pros and cons of each type of car finance making the decision process a lot easier.

Am I Eligible for Car Finance?

Everybody is different and with so many factors coming into play to consider eligibility, we can’t give you a definitive answer right now.

An easy way to check however is by just answering a few questions HERE and we’ll give you the list of car financing options available and put you in touch with the lender most suitable for you.

Can I Get Car Finance With Bad Credit?


We are both a ‘prime’ and ‘sub-prime’ broker which means that we specialise in helping people who have varying credit backgrounds, including those with a history of poor credit.

Although you will still be able to apply for car finance, the rates will be far less favourable if you have a poor credit history so this is always worth bearing in mind.

How Much Does Car Finance Cost?

Much like asking if you’re eligible, there are so many answers available. As mentioned, factors such as income, affordability and credit history will play a part.
Also, much more obvious factors such as vehicle model and deposit amount will determine how much the overall cost will be.

A brand-new Ferrari with the lowest deposit amount available is going to cost far more in PCP monthly repayments than a second-hand Ford Escort with a sizeable deposit put down.

The quickest way to have this question answered is by clicking HERE and answering a few simple questions.

Where Can I Buy My Car From?

The simple answer to this is from wherever you like! Once approved you are free to choose your new or used vehicle from any reputable dealer located anywhere within the UK.

How Do I Apply For Car Finance?

So you have an idea as to what vehicle you would like to buy, but don’t know how much finance you will be approved for. Or maybe you haven’t got a clue what you want to buy and would simply like to know that you are eligible for finance before you start your search? Either way, we can help.

Simply click the ‘Get my quote’ button above, answer a few simple questions and we’ll put you in touch with the most suitable lender and get you on the road in your new wheels as soon as possible.


Common Questions

Will an application with Affordable Car Credit affect my credit score?

When applying for car finance, a credit check will be undertaken by our trusted partners.

Can you help if I've been refused elsewhere?

Yes, we are able to help a good number of people who have been refused car finance previously. To find out if you qualify, simply complete our short form.

Can I buy from any dealer?

Absolutely, you are not restricted in any way with regards to which dealership you buy from or as to where within the UK that they are based. Once you have your approval, you are free to shop around.

How long does it take to get a decision?

If you apply during business hours then there is a high possibility that you will receive a decision on the same day, with some lenders even able to pay out on the same day (subject to status).