How Our Car Finance Works

Get a quote
No impact on your credit score
Rates from 6.9% APR. Representative APR 19.9%
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Trustpilot 4 Half Stars
4.6 out of 5

Car finance without the headache

Through our simple 5-step process you'll get a great finance option. And the best part? We do the hard work for you.

We can help you find the perfect car for your budget, and if you find a car yourself we'll check the dealer so you can buy with confidence.

Use our car finance calculator to work out how much you want to borrow.

Step 1

Get a quote

Without any impact on your credit score

As a car finance specialist we have access to a wide panel of lenders, so we can find a car finance option that suits your needs.

Step 2

Get approved in principle*

So you know how much you can borrow

You’ll have your own account manager on hand from the start. They’ll give you a no obligation quote and discuss which documents we need from you.

Step 3

Choose a car

Buy from any reputable dealer

If you need help finding the right one, you can browse over 140,000 cars on our car search, all sold by trusted dealers. If you find a car elsewhere, that’s fine too.

Step 4

We do all the checks

And won’t charge you a dime

Once you’ve found the right car, we’ll carry out checks on the dealer to make sure you can buy with confidence.

Step 5

Sign the documents and drive away!

It’s that easy!

Ready to start?

Applying with us only takes a couple of minutes and won't affect your credit score

Frequently asked questions

No, applying doesn’t affect 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.


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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Get in touch

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* The UK's number one online car finance broker by unique users to the website. Based on Hitwise data – 1,746,657 to CarFinance 247 vs. 666,020 for nearest competitor. January to December 2019.

96% of our customers recommend us: † Based on feedback left on independent review site Reviewcentre. May 2019.

CarFinance 247 is a trading name of CarFinance 247 Limited, a credit broker and insurance intermediary, and 247 Money Group Limited (247 Money), a lender. Both companies are part of the 247 group of companies.

CarFinance 247 is authorised and regulated by the Financial Conduct Authority under reference number: 653019. Registered office: Universal Square, Devonshire Street North, Manchester, M12 6JH. Registered in England. Company registration no. 06035525. Data Protection Registration Number Z1897658.

247 Money is authorised and regulated by the Financial Conduct Authority. Registered office: Universal Square, Devonshire Street North, Manchester, M12 6JH. Registered in England. Company registration no. 10989530. Data Protection Registration Number ZA456831.

All finance is subject to status and income. Written quotations on request. CarFinance 247 can introduce you to a limited number of finance providers, including 247Money, based upon your credit rating and will receive commission for such introductions.

† We do not charge a fee for arranging the finance, however some of our lenders may charge a fee. Your account manager can provide more information on this

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