Affordable Payments, Flexible Options, and Amazing Deals – Explore the World of Used Car Finance Today!
Used car finance lets you pay for a pre-owned car at an inexpensive price. You pay for your car in monthly payments and are able to choose a range of repayment terms rather than paying full price all at once.
Car finance for a used car is your safe bet if you want to remain within your budget yet enjoy driving your trustworthy car.
With a car loan, you’ll have access to flexible agreements which make it easier to get behind the wheel of a decent car. You’ll have different financing options to choose from, including Hire Purchase, sometimes called HP, and Personal Contract Purchase, sometimes called PCP – whichever you prefer.
Each has been specially designed to provide you with more affordable repayments and give you more control when budgeting.
Car finance lets you get behind the wheel of your next car with affordable monthly instalments. At Car Finance Today, we’re proud to help drivers looking for a great used car drive away with the best deal possible. Some of the major benefits of our financing options include:
Save money on car costs and spread your payment over reasonable monthly instalments. Your wallet will thank you later!
New cars can be expensive. When buying a used car with reliable finance methods, you’ll be able to access better, higher-tech vehicles—including electric cars—while paying less.
Both with Hire Purchase and Personal Contract Purchase agreements, we’ll work with lenders to secure you a flexible financing deal that will help you reach that final payment without breaking the bank.
Consistently paying monthly payments on time is one of the best ways to improve your credit score for future purchases!
Now you know what a great idea car finance is when buying a used car, explore our top finance types below!
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At Car Finance Today, we work hard to get you the car of your dreams. That means finding a finance model that works for you and your wallet. Learn more about our most popular finance types for used vehicles below:
Hire Purchase financing is perhaps our most popular finance model. With HP, you pay off your car in fixed monthly payments. You’ll always know exactly how much you’re paying and will own the car outright after the optional final payment.
HP car finance includes:
Not ready to commit to outright ownership? With a PCP, you don’t have to. Simply pay fixed monthly payments and decide at the end of the term whether you want to return the vehicle or buy it outright. PCP is great for flexibility and lower monthly payments.
PCP financing features:
If you can’t afford an upfront deposit right now, you can still find a great car. We work with lenders who can, according to conditions, provide no deposit car financing options. Instead of paying a lump sum upfront, spread the amount over equal monthly payments.
No deposit car finance includes:
Has your credit score prevented you from buying a new or used car? It doesn’t have to. We strive to provide finance solutions for people in all credit standings. One of our most popular options is a guarantor loan. With this loan type, a guarantor agrees to cover your payments if you’re unable to.
So which finance type is right for you? The key advantage of PCP car finance is flexibility. With a PCP agreement, you’ll have lower monthly payments and the opportunity to buy the car outright with a final balloon payment—without obligation.
Guarantor loans feature:
Got your eye on your perfect car? Car finance opens doors to car ownership possibilities that might otherwise seem impossible. We’re here to make that dream a reality. Here are some top tips for securing the best possible finance deal on a car:
A better credit score means access to better and bigger finance loans, often with much lower interest rates. Take small steps (like using credit sparingly and making regular payments on time) to boost your credit rating and secure that deal!
The more you pay upfront, the less you’ll pay in monthly instalments. Figure out ways to save money so you can afford a higher deposit and get a better car.
Don’t necessarily go for the first loan you’re offered. Lenders’ loans can vary a lot, so take the time to compare multiple lenders and see which terms and conditions (including total loan and loan term) suit you best.
Don’t get caught out by your loan. Go through your agreement with a fine-toothed comb, keeping an eye out for interest rates, APR, loan term, whether your payments are fixed, and any hidden fees (like admin fees).
Take these tips into account, and you’ll be driving away in your new car in no time!
Applying for car financing doesn’t have to be a long and difficult process. All it takes is a few simple steps to start enjoying your new motor. Here’s how:
Our experts are on hand to walk you through every stage of the process, making buying a car quick, easy, and 100% hassle-free. Get in touch today!
Want to know if you’ll qualify for car finance? Our team will do all they can to help you secure the best deal. Thanks to our relationships with various trusted lenders, we can always find you an ideal plan.
You need to be aged at least 18 years old and have lived in the UK for at least three years.
We begin the process with a soft credit check that leaves no mark on your credit score.
Whilst a high credit score can increase your options, lenders will also consider your income, expenditure, and other current financial circumstances
Everything we do is to make car ownership possible for everyone. Whether you need a people mover, a commuter vehicle, or something sporty, we can put you behind the wheel of some excellent deals from trusted lenders.
You will be assigned an Account Manager that will guide you through the entire process.
We will create a financing package that meets your budget even when your credit score is less than perfect.
From initial application right through to the acceptance, we make the whole process stress-free
Yes, we specialise in helping clients from all types of financial backgrounds.
Generally ranges from 12 up to 60 months depending on your requirements and what you agree to.
Yes, although this may incur an early repayment fee. Please refer to your agreement for confirmation.
Contact us today, and we will help you find a solution.
Usually, but not always. Some of our lenders offer special no deposit loans. With these, your monthly instalments will be higher.
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