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Vehicle Finance Loan Calculator
Representative Example 19.4% APR
Representative example of a Conditional Sale (HP) Agreement: Borrowing £7,000 over 5 years with a representative APR of 19.4%, annual interest rate of 19.4% (Fixed) and a deposit of £0.00, the monthly payment would be £177.30 per month x 60, with a total cost of credit of £3,638.00 and a total amount payable of £10,638.00. This is an example only. Lender fees may apply, finance is subject to status.
Car Finance R Us is a credit broker, not a lender.
We compare finance products from a panel of trusted lenders to help find a suitable option for you based on your individual credit profile and circumstances.
We may receive a commission from the lender for introducing you to them. This commission may either be a fixed fee per finance agreement or a percentage of the total amount financed. The commission received does not affect the interest rate offered to you or the total amount repayable under your agreement.
How It Works
Get Pre-Approved
Complete a simple application form straight from your laptop or phone. We’ll compare quotes from our panel of lenders and aim to provide a quick decision, helping you find the best available rate based on your individual circumstances.
Find Your Dream Car
It’s time to find your next car from any approved and reputable dealer across the UK. Using our friendly customer portal, you can browse vehicles from a wide network of trusted dealerships and save the ones you like for our team to review with you.We’ll also carry out extensive checks on any vehicle you have in mind and can even speak directly with the dealer on your behalf. If you’re struggling to find the right vehicle or simply don’t have the time, apply with us and take advantage of our Car Concierge Service.
Finalise Your Vehicle Finance
It’s a simple and secure process. Our team will guide you every step of the way — from completing your documentation and finalising your finance agreement, right through to vehicle collection or delivery. We’ll help manage the logistics, liaise with the dealership where needed, and ensure the process is as smooth and stress-free as possible.
No need to waste your time, we'll compare from our panel of lenders for you and ensure you get the best rate possible from our panel — First time around.
We work with our panel of trusted lenders to help secure you the best approvals for you!
No Fuss Vehicle Finance — Done Right The First Time.
Apply NowIt can be difficult to know which vehicle you can afford without first understanding how much you may be able to borrow.
With access to a growing panel of trusted lenders, we aim to match you with competitive APR rates based on your individual circumstances and credit profile. We work with lenders who may be able to assist customers with a range of credit backgrounds, including previous bad credit, CCJs and IVAs.
See What Our Customers Say
The entire process was smooth!
I had a great experience with this company. The entire process was smooth, transparent, and handled with professionalism from start to finish.
A special thanks to Ms. Keira, who truly stood out for her exceptional support. She was knowledgeable, patient, and always willing to go the extra mile to ensure everything was clearly explained and handled efficiently. Her friendly approach and attention to detail made the whole experience stress-free.
Highly recommend this company, especially if you have the chance to work with Ms. Keira!
Fantastic service and support!
Fantastic service and support from start to finish! The team made the whole car finance process simple and stress-free.
Friendly advisers answered all my questions and I got a competitive rate.
Highly recommended!
I got what was affordable!
They went above and beyond as this was so personal and made sure I got what was suitable, affordable and reasonable for me.
5 star! Outstanding customer service, commending a very lovely lady called Clarissa she knew how extremely personal this was to me. I really hope she is employee of the year as words are beyond me with how grateful and thankful I am to her for making this happen.
I will be referring all family and friends to them!
We want getting your car or van finance to be as simple, straightforward and stress-free as possible.
Frequently Asked Questions
Will I be offered the best APR finance rate available?
We compare your details across our panel of trusted lenders, all of whom may offer different rates based on your individual circumstances. As a broker, our aim is to help you secure the best available vehicle finance rates without the need to apply elsewhere.
What Deposit Do I Need To Give For Car Finance?
In many cases you will not need a deposit at all however some lenders might ask you to put down a small payment with varying minimums usually between £400-£500. This is not a percentage of your overall loan and only applies to some lenders.
Can I buy a car from any dealership?
You can purchase a vehicle from any dealership we consider reputable. We carry out checks on both the vehicle and dealership to help ensure you are dealing with a trusted and reputable dealer.
Our team can also help you source and find suitable vehicles from reputable dealerships across the UK based on your preferences and budget.
Is there a hard search on my credit file if I search with you?
Applying for vehicle finance through Car Finance R Us will not initially leave a hard search on your credit file.
Many of the lenders on our panel use soft search technology to provide an initial decision when you apply. These quotation searches may appear on your credit file as a secondary search, however they are only visible to you and will not affect your credit score or be seen by other lenders.
If you choose to proceed with a finance agreement, a hard credit search may then be carried out by the lender and recorded on your credit file. Making repayments on time may help improve your credit profile over time.
Is there an Age Limit for Car Finance?
Although you can legally drive at 17, you must be at least 18 years old to apply for vehicle finance. Age requirements may vary across our panel of lenders, and in some cases applicants may need to be over 21 and under 70 at the time of application.
If I have bad credit, can you still help me?
Yes, it is possible to get car finance with bad credit, including if you have previous defaults, CCJs or IVAs. While your options may be more limited, Car Finance R Us works with a panel of lenders, including those who specialise in helping customers with adverse credit histories find suitable vehicle finance options.
