We aim to get you the best car finance deal and help to make the most of your money. Our easy to use car finance calculator below can give you an idea of how much you could borrow and what your monthly repayments might be. Whether you've found your perfect car or you're just looking, you can get approved for finance first so you know that the money's there when you need it.
"A great way to organise finance, a much simpler way than using banks or car dealers, competitive rates, speedy payment to dealership, thanks!"
- Gareth, Bracknell
"I would like to thank all at the car loan 4 u team in making my application very simple. I was always kept informed every step of the way with my application. Fantastic."
- Angela, Leeds
"Friendly people and great service, got an Audi using carloan4u! Totally recommend them, quick and easy they helped me afford the car I wanted"
- Steve, Derby
Can I get car finance even if I have a bad credit rating?»
Yes, you can. We’re experts at providing car finance for people who have had problems obtaining credit, even if you're in an IVA or Debt Management Plan. We are unable to help if you are currently bankrupt. Having a poor credit rating doesn't stop you from getting a car loan with us, even if you've been refused before.
I'm self-employed can I get car finance?»
Yes, even if you're self-employed we can still find you a great car finance deal although the lenders may ask for 3 months bank statements. Just give us a call or apply online.
I was made bankrupt two years ago, would I still be accepted?»
Yes, just as long as you’ve been discharged for a minimum of 12 months, we can help. Apply today!
Can I buy a car from a private seller?»
The majority of the cars we finance are bought through UK dealers holding a Consumer Credit License. However, we are able to provide finance for some private car sales, providing the vehicle meets certain criteria. Your Sales Advisor will provide you with more information regarding the requirements the car must meet at the point where your application for finance is accepted.
I've lived in the UK for 2 years, can I get finance?»
Unfortunately we are unable to help with finance until you have lived in the UK for at least 3 years before taking out finance.
Do you do credit checks, and if so, how many do you do?»
Yes, we conduct credit checks to match your credit profile and individual circumstances to a lender. The average customer will incur 2-3 credit checks, depending on their circumstances.
I'm on Benefits, can I apply?»
Yes, we have a few lenders that could help, although we've found that only those with an excellent credit rating have been approved in these circumstances, however applying in joint names with a working partner may help.
How long is the whole process? »
It's normally 2-4 working days from start to finish, although an approval is valid for 28 days if you prefer to take your time.
I'm 17 years old, can I get finance?»
No unfortunately we wouldn't be able to help until you're 18 years old. We have lenders that finance 18-21 year olds, although, on some occasions we will need to add a guarantor to your application.
What's the minimum I can borrow?»
The minimum loan amount is £2,000-£3,000 depending on the lender.
Speak with us directly
Give us a call: 0808 2849465
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What Car? Finance is working in partnership with Car Loan 4U who is authorised and regulated by the Financial Conduct Authority, and licensed by the Office of Fair Trading under the Consumer Credit Act 1974. All finance is subject to status and income. Applicants must be 18 or over, terms and conditions apply, guarantees and indemnities may be required. Car Loan 4U can introduce you to a limited number of finance providers based on your credit rating and we may receive a commission for such introductions. Written quotation on request. Certain exclusions for NI residents.
*Please note that your personal finance example and monthly repayment are designed to give you an indication to how much you may expect to pay for your loan. Due to the many factors involved in car finance companies making their decisions, we can't guarantee being able to obtain a loan at the quoted rates / process. We will always try to obtain the best deal for you based on your personal circumstances.