No deposit car finance

Free eligibility check with no impact on your credit.

Bad credit & no deposit deals.

Get a car finance quote
Get a car finance quote

Check eligibility with no impact on credit score

Welcome to Moneyrepublic, your gateway to hassle-free car finance without the burden of a down payment. We understand the importance of having your own set of wheels, and we're here to make that dream a reality. If you're in need of a used car, our no deposit car finance options put you in the driver's seat.

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 no deposit car finance?

No deposit car finance is your golden ticket to car ownership without the worry of scraping together a hefty deposit, making it more accessible to a wider range of buyers. We've streamlined the process, making it easier for you to hit the road and drive your dream car sooner.

At Moneyrepublic, we partner with flexible lenders who specialize in assisting customers to secure a new car through a no deposit finance deal. With this option, you don't need to provide any cash upfront or part exchange an existing vehicle – you can still obtain the car of your choice on credit.

Our commitment to accessibility means we cater to individuals who may not have savings or a vehicle for trading. To embark on your journey to 0 deposit car finance, simply conduct a free eligibility check right here on our website.

Can I get car finance without a deposit?

Certainly! At Moneyrepublic, we've streamlined the process to make car finance without a deposit a reality for everyone. Our commitment to accessibility means you can secure a car loan, even if you have bad credit. Say goodbye to the worries and say hello to the keys of your dream car with our no deposit finance solutions. It's a stress-free journey to car ownership, and we're here to guide you every step of the way.

Car finance options with no deposit

We offer a wide range of car finance options without the need for a deposit. From HP (Hire Purchase) to PCP (Personal Contract Purchase), you have the flexibility to choose the plan that suits your budget and lifestyle. Our commitment is to provide you with the best options for your dream car.

HP car finance

Hire Purchase (HP) car finance empowers you to distribute your car's cost over a fixed loan period, making it easier to manage with affordable monthly payments. At the end of hire purchase agreement, you become the outright owner of the car, enjoying complete ownership and the freedom to do as you please.

PCP car finance

Personal Contract Purchase (PCP) car finance takes the pressure off your budget with lower monthly repayments. It also offers you the flexibility to decide at the end of the term whether to purchase the car or return it. The choice is entirely yours, making PCP a versatile and appealing option.

Pros and cons of no deposit car finance

Let's talk benefits - no deposit car finance deal is a smart choice! The advantages are clear: no upfront payment, affordable monthly payments, and the opportunity to own your dream car. Worried about credit? Don't be! Our specialist lenders are here to help you secure the car you want.

No upfront paymentPotentially higher APR
Affordable monthly paymentsSmaller loan amounts
Flexibility in car choiceImpact on credit
Easy application processLonger loan terms
Specialist lenders available

Apply for no deposit car finance

Looking to for a car finance with no deposit to buy a car of your dream? See if a no deposit loan could be an option for you.

Learn more & apply

How much can I borrow without a deposit?

Moneyrepublic offers generous borrowing limits without a deposit. We understand that everyone's dream car is unique, so we make sure financial burdens don't stand in your way. You can borrow up to £40,000 to get the car you desire.

What are the requirements for getting car finance with no down payment?

The requirements for no deposit car finance may vary slightly depending on the lender and your specific circumstances, but here are some common criteria:

  1. Age: Applicants are usually required to be between the ages of 18 and 75.
  2. Residency: Being a UK resident for a minimum of 12 months is often a requirement.
  3. Income: Having a consistent monthly income of at least £1,000 is generally expected to ensure that you can meet the monthly repayment obligations.
  4. Affordability: Lenders will evaluate whether the monthly payments fit within your budget. This assessment considers your income, expenses, and existing financial commitments.
  5. Identity and Address Verification: You'll need to provide proof of identity and address, such as a valid driving license or utility bill.

Apply for bad credit car finance with no deposit

If you're looking to secure car finance with bad credit and no deposit, we've got you covered. Moneyrepublic, a trusted online car finance broker, has established partnerships with lenders who offer appealing terms irrespective of your credit history.

We understand that maintaining a healthy credit score is essential, which is why we always perform a soft search, ensuring your credit remains unscathed. This means you can explore bad credit car finance without any concerns about impacting your credit rating.

In the case of no deposit car finance, even with a less-than-perfect credit history, our flexible panel of lenders can come to your rescue. They specialize in crafting finance packages that fit your specific needs, making it possible to secure a no deposit arrangement.

Curious about your eligibility for a no deposit deal? Rest assured, you can check it today without any cost, and your credit rating will remain unaffected, no matter the outcome.

What is the eligibility criteria for zero deposit car finance?

Our eligibility criteria are clear and achievable. We want you to feel confident that you're in the right place. Whether you're a UK resident, have a good credit score or a poor credit history, we have options for you. Zero deposit finance deals are accessible to many.

To qualify for no deposit finance you’ll need:

  • Proof of ID
  • Proof of address
  • Bank statements
  • Payslips or proof of income
  • Small deposit (if required)

Why choose us to get a car on finance with no deposit?

Get your car finance online

Get car finance options with no impact on your credit score. Rates starting from 9.9% APR.

Buy a car from any dealer

Once approved, collect or get your car delivered to you.

Car finance quality assured

We’ll do a thorough vehicle HPI, full-service history and MOT check. Buy with confidence.

Geta a quote now

Our Lenders

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



  • Can I get a no deposit loan with a bad credit score?

    Yes, you can! Moneyrepublic specializes in assisting those with less-than-perfect credit histories. We have a network of specialist lenders who can help you secure a no deposit car finance deal, even if your credit score isn't ideal.

    Do I need a good credit rating to get no deposit car finance?

    No, you don't necessarily need a pristine credit rating to secure no deposit car finance. Many lenders are flexible and work with individuals who have varying credit histories, including those with less-than-perfect credit. While having a good credit rating can offer more favorable terms, it's possible to get approved for no deposit car finance with less-than-ideal credit. Lenders will assess various factors, including your income and credit history, to determine your eligibility.

  • Can I pay off the no deposit deal early?
    Absolutely! With our flexible finance options, you have the freedom to pay off your no deposit deal early. We won't penalize you for taking charge of your finances.
  • How does no deposit typically impact monthly payments?
    No deposit means you won't have to make an initial payment when you get your car, which often leads to higher monthly payments. However, we work with you to find a plan that suits your budget, ensuring your monthly payments remain affordable.
  • Which cars are available with no deposit?
    You have a wide selection of new and used cars to choose from with no deposit car finance. Whether you're eyeing a family SUV, a stylish new car, or a reliable used vehicle, we've got you covered.
  • Does a no deposit deal mean a longer decision process?
    Not at all! Our application process is designed to be quick and straightforward. You won't experience a prolonged decision process just because you're opting for a no deposit car finance deal.
  • How does no deposit car finance work?
    No deposit car finance works by eliminating the need for an upfront payment. You secure the car of your choice, and we arrange a finance package that allows you to make affordable monthly payments. At the end of the term, the car is yours to keep.
  • Is there a way to improve my credit score so that I can get car financing without a deposit?

    Yes, there are steps you can take to improve your credit score. Paying bills on time, reducing outstanding debt, and managing your finances responsibly can all help boost your credit rating. Our team can provide guidance on improving your credit score so you can access even better car finance deals in the future.

    At Moneyrepublic, we're here to make your car ownership dreams come true. Don't let financial barriers or credit concerns stand in your way. Request a quote today, and let's get you on the road to your new car adventure!