Instant car finance

Get a car finance quote
Get a car finance quote

Check eligibility with no impact on credit score

Looking to hit the road in your dream car at lightning speed? Our instant car finance service is tailored for those who crave swift decisions and the thrill of driving away faster. With a streamlined application process, we're here to make car loans a breeze.

Car finance calculator

  • 36months
  • 42months
  • 48months
  • 60months

This helps you get a more accurate finance estimate

Not sure about being approved?

Check finance eligibility

Won't affect your credit score

Your estimated examples

These estimates are subject to credit checks, and may change if you do apply for finance.

Loan amount£7,500
Length of Loan60 months
Monthly payment£0
Interest rate9.9% APR
Optional final payment£0
Amount of interest£0
Total payment£0

What is instant car financing and how does it work?

Instant car financing is the express lane to getting behind the wheel of your desired vehicle. It's all about efficiency, ensuring that you spend less time waiting and more time enjoying your new set of wheels. The application process is straightforward, but understanding the key components is crucial.

Instant Car Financing Requirements

  • You must be between the ages of 18 and 75
  • You must have a driver's license
  • You must have lived in the UK for at least 12 months
  • Proof of income - recent payslips or bank statements showing regular income
  • Proof of address - recent utility bill, bank statement with address
  • Proof of ID - passport or photo driving licence
  • Evidence of residency status - passport/visa if applicable

The Application Process in Four Simple Steps

1. Online Form Submission
Kickstart your car ownership journey by filling out our straightforward online form. Share key details, such as income proof, employment information, and residency history, to initiate the process.

2. Lender Matching
Sit back as we leverage our extensive network of lenders to find the best match for your unique financial situation. Our goal is to connect you with options that align with your needs and preferences.

3. Quick Loan Approval and Agreement
Experience the thrill of a swift approval process. If your application gets the green light, sign the loan agreement electronically. This step seals the deal, outlining the terms of your instant car finance.

4. Collect Your New Vehicle
The final and most exciting step – collect the keys to your new vehicle. With the paperwork sorted and financing in place, you're ready to hit the road. Enjoy the freedom of hassle-free motoring with our seamless instant car finance process.

Types of instant approval car loans

Our instant car finance options cater to various needs, including those with a less-than-perfect credit history. Two popular choices for fast approval are the Hire Purchase and Personal Contract Purchase agreements. These agreements not only expedite the process but also open doors for individuals facing credit challenges.

  1. Hire Purchase (HP): This arrangement allows you to spread the cost of your chosen vehicle over fixed monthly payments. Once the final payment is made, the car is officially yours.
  2. Personal Contract Purchase (PCP): PCP provides flexibility, enabling you to choose between keeping, returning, or upgrading your vehicle at the end of the contract.

Even if you're dealing with bad credit, these options offer a glimmer of hope to secure the car you desire.

Instant car finance options for bad credit

Worried about your credit history? Fear not. Our instant car finance service understands that financial setbacks can happen to anyone. While bad credit may pose a challenge, it doesn't necessarily slam the brakes on your dreams.

Applications are individually assessed, taking various factors into account. If you're concerned about your credit situation, don't hesitate to seek guidance. We're here to help you navigate through the process and determine whether financing aligns with your current circumstances.

Apply for pcp car finance

Looking to for a PCP car loan to purchase a car of your dream? See if a Personal Contract Purchase could be an option for you.

Learn more & apply

Finding the right lender for instant decisions

Choosing the right lender is a pivotal step towards securing instant car finance. Here are some tips to steer you in the right direction:

  1. Acceptance Rates: Opt for a lender with high acceptance rates to increase your chances of approval.
  2. Interest Rates: Look for competitive interest rates that suit your budget and financial goals.
  3. Reputation: Research the lender's reputation to ensure they have a track record of reliable and efficient service.
  4. Panel of Lenders: A diverse panel of lenders allows for a tailored approach, matching you with the loan that suits your needs.

With these considerations, you'll be on the road to finding a lender who not only approves your application promptly but also offers favourable terms.

Meet our car finance lenders

We work with over 15 lenders offering 100+ HP and PCP deals so that you could have the best offer.


Why choose us for your instant decision car finance

Experience the difference with our dedicated services:

  1. Expertise you can rely on: Trust our seasoned professionals to guide you through the complexities of car finance, ensuring a smooth process.
  2. Diverse lender network: Access a wide panel of lenders, increasing your chances of securing the best terms tailored to your unique financial situation.
  3. Transparent process: Stay informed from start to finish. Our transparent process makes your journey to instant car ownership straightforward and stress-free.
  4. Tailored solutions: Say goodbye to one-size-fits-all. Benefit from personalised solutions designed to meet your specific needs, ensuring your instant decision car finance aligns perfectly with your lifestyle.
  5. Customer-centric approach: Your satisfaction is paramount. With our customer-centric approach, you're not just securing finance; you're gaining a partner dedicated to your motoring success.