More Affordable Payments, Less Interest, and More Value – Discover the Advantages of Low APR Car Finance Now!
Car finance is the best way to get behind the wheel of a new car without paying a high upfront cost. Low APR car finance aims to make this even more affordable by bringing down the interest rate applied to your loan.
Annual Percentage Rate—APR—is the cost of borrowing over a year and includes:
Low APR car finance helps you secure a used or new car with the potential for more realistic monthly payments than ever before. Budget better without compromising the kind of car you can drive! Unlike higher APR loans, the reduced interest ensures more money from each payment goes directly toward the car itself—not the lender’s fees.
Like the sound of getting a new car and spreading the cost without those eye-watering extra payments? Low APR car finance could be for you! But before you sign up, there are a few things you should know about this type of car finance deal first. Let’s see how Low APR car finance stack up against other car finance models:
There’s a reason we sometimes call low APR car finance ‘0 APR’. That’s because this type of car finance deal slashes interest to 0%. That’s right: pay no interest whatsoever on your finance deal and push your monthly repayments down! This is great for those with a good credit score who want to avoid extra charges associated with car finance.
One of the major benefits of 0 APR financing is that you’ll pay exactly what the car is worth and nothing more—no interest payments and no extra charges. If your car is worth £12,500, you’ll pay only £12,500 over the course of the loan. Sounds great, right?
What do the benefits of Low APR car finance add up to? A car finance deal that cuts extra costs and helps you budget more effectively. By knowing exactly what you’ll pay in your monthly repayments and why, you can rest assured every penny you spend is going towards your new car!
With 0 APR financing, the loan term is usually shorter. If you’d prefer to spread the cost of your vehicle over a longer period, other financing models may be worth considering. For example, our Hire Purchase and Personal Contract Purchase options are super flexible and help you pay in monthly payments that work for you!
0 APR car deals are more selective than other ‘standard’ car finance types, so you may have less choice when it comes to vehicles on offer. If you want a greater selection to choose from, why not try out our other car finance models, like HP, PCP, Electric Vehicle car finance, or a Guarantor Loan?
Want to see just how much difference 0 APR can make? Try our free car finance calculator below. This will show you how much your monthly payments would be with different APRs and models!
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Not sold on 0 APR? No problem. We have tons of other amazing car finance deals available, with everything for lower monthly repayments to no deposit offers. Check them out below!
HP is the perfect solution for those looking to spread the cost of a car and drive away as its owner at the end. We’ll help you secure a great deal you can afford and guarantee ownership at the end of the loan term.
Want more choice at the end of the loan term? PCP lets you put a large portion of the loan into an optional final payment—choose whether to buy the car outright, return it, or trade it in. And pay lower monthly payments, too.
You may be able to skip the deposit and still receive a good APR on a car loan with a handy No Deposit Car Loan. Simply spread the cost of the loan over higher monthly repayments and avoid the high upfront cost.
Even if you don’t have a good credit score, you may still be able to access a great Annual Percentage Rate. A guarantor loan backs your repayments with a guarantor, letting you choose the perfect vehicle without super-high interest payments!
Would you prefer to invest in an ultra-modern electric or hybrid vehicle? Our lenders offer many special deals for electric and hybrid cars—just sign up and explore your options for free at any time!
It’s simple to apply for low APR car finance with us. Our application is designed to achieve an approval with one of our vast networks of trusted lenders to get competitive rates and favourable terms. Here is how we make this simple for you:
We conduct a soft search in credit to give an approval in principle and ensure your credit rating isn’t affected.
We accept applicants of different financial backgrounds – this means we try to find the perfect loan for you. You simply need to be above 18 years and have a minimum of three years of address history in the UK.
Our team will be working closely with you through every step of the process from the application right through to approval to make certain your journey is seamless.
At Car Finance Today, we’re all about making your car financing journey run along as smoothly and hassle-free as possible. We believe in complete transparency, flexibility, and customer satisfaction, working tiringly to connect you with the best low APR financing options available.
We understand just how hard it can be to find affordable car finance, particularly if the budget that you might have available to work with is small, or maybe even if your credit history isn't quite perfect. We are dedicated to providing access to finance solutions that can permit you to take your step towards improving your mobility and your finances.
We work with our network of trusted lenders to get competitive rates and tailor finance options to suit you. Our goal is to help you get the loan that would fit your budget, whatever your financial circumstances might be.
When you choose to opt for Car Finance Today, you will be assigned a dedicated account manager. From your application to your final payment, we are here to ensure everything is clear, hassle-free, and straightforward.
Let’s look at some of the questions most people have with regard to instant decision car finance.
You are allowed to pay off your loan early; however, some lenders can charge a small fee for doing so.
While good credit will put you at an advantage, we provide options for all people, no matter what your history may look like.
It is best to be timely when it comes to your payments so as not to incur any further charges. However, if you’re finding it difficult to make the payment, contact us immediately.
Refinancing can surely be an alternative if your financial situation improves or market rates fall.
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