How Our Car Finance Works

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Rates from 9.9% APR. Representative APR 19.9%
CarFinance 247 is a credit broker, not a lender.


Car finance made easier

Looking for a great car finance deal? Your search ends here. We find the best deal for you from our lending panel.

Tell us who you are and what you want, and we’ll take care of the rest.

Step 1

Get a quote

Get a quote

Complete our application form, pop the kettle on and you’ll get a decision before you finish your tea! We can help people with a variety of circumstances and will always look to find you the best deal from our wide panel of lenders.

Step 2

Get approved in principle*

Meet your account manager

Forget the fuss – we’ll handle it. Your personal account manager will compare lenders to find the perfect deal for you and take care of all the admin along the way.

Step 3

Choose a car

Buy from any reputable dealer

Now it’s time for the fun bit! With your finance in place, you can choose your new wheels with confidence. And don’t forget to check out our car search – it’s home to over 130,000 cars sold by trusted dealers.

Step 4

We do all the checks

And won’t charge you a penny

Found a car? You can sit back and relax. We’ll sort the paperwork for you, chase the lender, and make sure the dealer is kept in the loop while you start readying the drive and plotting your first roadtrip.

Step 5

Sign on the dotted line and drive away!

Enjoy that new car feeling!

Ready to start?

Applying with us only takes a couple of minutes.

Frequently asked questions

Yes, car finance applications can impact your credit score. Our lenders will only carry out a soft search at first and this doesn’t leave a mark on your credit profile. If you choose to go ahead with one of our finance options, it’s only then that a hard search will be carried out, which will be marked on your credit report and could affect your score.


Yes! You just need to give your settlement figure (how much you currently owe) to your account manager. They will then use this to work out what finance option we have for you, helping you to end your current agreement and start a new one.


No, you can choose a car from any reputable dealer. If you do need a hand with finding the right car, we have over 140,000 for sale on our car search, all sold by trusted dealers.


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* The UK's largest online car finance broker by unique users to the website. Based on Similar Web data – 851,826 to CarFinance 247 vs. 730,311 for nearest competitor. January to June 2022.

CarFinance 247 is a trading name of CarFinance 247 Limited. Registered office: Universal Square, Devonshire Street North, Manchester, M12 6JH. Registered in England. (Registration Number 06035525).

CarFinance 247 is authorised and regulated by the Financial Conduct Authority for insurance distribution and credit broking (Firm Reference Number: 653019). CarFinance 247 is registered with the ICO (Registration Number Z1897658).

Finance is subject to status and is only available to UK residents aged 18 and over. Written quotations are available on request.

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