Going the extra mile to get the car and finance you deserve.
Looking for cheap car finance?
Check your eligibility without affecting your credit score
Why use ChooseMyCar?
The road to your next car just got miles shorter
Buy online with home delivery
- We work with over 2,500 dealerships throughout the UK
- We welcome part exchanges
- Get your car delivered anywhere in mainland UK
Finance to suit your needs
- We work with a wide range of lenders to get you the best deal
- £0 deposits available
- We'll handle ALL of the negotiations on your behalf
Help me choose
Not sure what you’re looking for? Our dedicated and friendly team are here to help – we will be with you from start to finish of your car buying journey.Start Now
- Personal car buying service – your dedicated personal car buyer will help you find the perfect car for your budget and requirements
- We make sure our customers don’t over-pay for their car and HPI check all vehicles
- Our panel of lenders range from prime lenders to sub prime and even source unsecured car loans should this be the right option for you!
- Zero deposits so in most cases so you don’t have put any money down
- Our mission is to find you the best car from a reputable dealership with the most affordable finance deal.
Our Favourite Makes and Models
What kind of used car for sale are you looking for?
There's a good reason that so many people across the UK look for used car deals when searching for a new car. It's still one of the most popular ways of securing a new vehicle. Why? Well, used cars for sale are more affordable and accessible, making it much easier for most people to manage compared to the high monthly installments made on brand new cars. If you need a car but you're worried about the costs, then searching for used cars for sale with ChooseMyCar is the perfect route for you.
You couldn't have come anywhere better for a wide range of used car deals. Here at ChooseMyCar, we have an amazing selection of used cars for sale, including those from all the major prominent manufacturers. Want a used Ford, BMW or Audi? We can find you an excellent deal. Had your eye on a particular Volkswagen, Mercedes-Benz or Vauxhall recently? We can find you the used car deals that will make it more accessible and manageable for you to get your hands on your ideal car.
This is only scratching the surface of what we offer here at ChooseMyCar. When it comes to used cars for sale UK-wide, we work with thousands of used car dealerships and have over 100,000 used vehicles for you to purchase at any time - right now in fact! Simply browse our amazing range today - you can browse by manufacturer, vehicle type, or price range - or simply make a quick search for any specific car right now.
Choose used car finance with ChooseMyCar for a deal that suits you
Need to buy a used car but worried about the mounting costs? We understand these concerns. The fact is that, whether purchasing used or not, buying a car can be a big investment to make. It's important to feel confident in your finances and your ability to buy a used car without being overwhelmed by the costs. With that in mind, the team here at ChooseMyCar are experts in helping to deliver suitable and accessible car finance deals for our customers too!
In fact, we've been doing this for years and have helped customers across the country find UK car finance that suits them. We have a wide range of different options available for this to help you find the kind of used car finance that gives you the peace of mind of knowing that you have manageable monthly payments to make. Every deal we put together is tailored to the customer, meaning that when you choose ChooseMyCar for used car finance, you know that you are getting a bespoke package that matches your needs. Our commitment is to make the process as simple, easy, quick and personalised as possible for everyone who searches for used car finance through us.
Want to get your hands on your ideal car while on a finance plan that is manageable and convenient for you? You can apply for used car finance through us today! The process is quick and simple, and our expert team will be on hand to guide you through. Don't forget to check out our online car finance calculator for a clear picture about what you can or can't afford too. We always recommend that people have a look at our finance calculator to get a step ahead in finding the best finance packages for you.
How exactly does used car finance work? Well, a representative example would be borrowing £6,500 over 48 months to pay for the car with a representative APR of 21.4%, an annual interest rate of 21.4% (Fixed) and a deposit of £0.00 - the amount payable would be £196.24 per month with a total cost of credit of £2,919.52 and a total amount payable of £9,149.52.
Are you struggling to decide on a used car that's best for you? If so, why not take a look at our guide to the best-used cars under £10,000 in the UK to help you decide.
How do we help you find the perfect used car?
ChooseMyCar is a free and personal used car buying service built to fit around you. In order to provide you with the best deals and the best choice, we work with over 2,500 dealerships across the UK, giving us nationwide coverage and access to some of the best deals on the market. Because of this, we are able to offer you a daily selection of over 100,000 vehicles at any time - available to buy now! For buying used cars in the UK, there's nowhere better than ChooseMyCar.
But how does the process work? Well, we can speak to dealerships on your behalf, securing deals and negotiating packages that work best for you.When you choose us for your used car purchase, you'll benefit from a personal service that will negotiate everything from price, home delivery, part exchange, admin fees and more all for you. If you are someone who doesn't feel confident speaking to dealerships directly or who doesn't have much experience in buying cars, then our service is absolutely perfect for you.
The ChooseMyCar team consists of experienced professionals with the right expertise and insight to ask the right questions and to negotiate on your behalf. Our team is dedicated to making sure that you always pay the right price for your car. We have these conversations so that you don't have to, meaning that you spend less time becoming frustrated and confused and have more time to focus on the more important things - all while securing yourself the ideal used car for you!
Already know which car you want? We understand this feeling - sometimes you set your sights on the ideal vehicle and don't want to settle for anything else. But sometimes sorting out the finance for this can be complicated. When this happens, we will be on hand to help secure you the right used car finance package for you.
Our dedicated agents will be around to help guide through every step of the process. The best part? Our service won't cost you a thing. We will do the heavy lifting for you.
Worried about your financial situation potentially getting in the way of finding the right used car finance deal for you? You couldn't have come anywhere better.
We are non-judgemental and are experts in providing bad credit car finance for customers across the UK. We have a full panel of lenders who will make sure that you get the best used car finance deal for your situation - no matter your personal circumstances.
We are the experts in bad credit car finance
As specialists in car finance, we understand that not everyone can have a perfect credit score. No matter what the reason for your bad credit, the team here at ChooseMyCar will help you find the right deal. Bad credit doesn't mean that you simply can't buy a car.
Finding the right bad credit car finance can be stressful, frustrating and disheartening. But it doesn't actually need to be this way. Our bad credit car finance packages ensure that we understand your situation and what deals work best for you. Our experts are always on hand and will guide you throughout the entire process.
Our panel of lenders ranges from prime lenders to sub prime lenders, even sourcing unsecured car loans if this happens to be the best option for your personal situation. We pride ourselves on being a non-judgemental business and will find car finance for people with bad credit, no matter your situation or the reason for your bad credit. We are here to help you find a manageable solution - in most cases we will be able to offer zero deposit finance deals that ensures you don't have to put any significant amount down upfront.
We are independent and work for you, not for any finance companies or dealerships. Our free service is here to make your life easier and to match you with a used car and finance deal that matches your needs. We will look for the best deals from the best dealerships - and we'll even negotiate on your behalf asking all the right questions and securing the best used car finance possible.
No deposit car finance
Most car finance deals require some sort of deposit to be made as security upfront. But paying this sometimes substantial sum isn't always possible for everyone. A no deposit car finance deal can prevent you from having to make this initial payment. This can make securing a used car more accessible without limiting you when it comes to the types of car that are available.
Car finance for young drivers
Is there anything worse than finally passing your driving test, only to find yourself struggling to afford a car due to your lack of any credit history? We deal with this all the time here at ChooseMyCar, which is why our car finance for young drivers is built around helping young or inexperienced drivers in securing a used car finance package that works for them.
Self employed car finance
With the number of self-employed people in the UK rising each year, it's no surprise that the demand for self employed car finance has risen with it. Being self-employed doesn't mean that you don't need important access to a car, but unfortunately it can mean that lenders are sometimes reluctant to enter car finance agreements. Here at ChooseMyCar, we will work with you to help you address any eligibility concerns and to secure affordable and manageable car finance.
IVA car finance
Having an IVA (individual voluntary arrangement) can seem like a huge obstacle when it comes to securing new finance agreements of any sort. Here at ChooseMyCar, we work with customers who have all different levels of bad credit. While it may seem like it at first, having an IVA doesn't actually mean that you can't apply for bad credit car finance. For IVA car finance that works for you, our team of experts are on hand to assist you throughout every step of the process.
Car finance after bankruptcy
Being declared bankrupt is one of the biggest financial challenges that you could possibly face, so how will you manage to be able to gain approval for a car finance deal afterwards? At ChooseMyCar, we’re specialists in bad credit car finance, meaning we’re the experts when it comes to helping those in positions such as bankruptcy to get themselves back on the road.
CCJ car finance
If you’ve had significant problems with credit or debt in the past, it’s possible that you’ve been handed a CCJ. If that’s the case, you may find it tough to find approval for new credit agreements, which can make finding an affordable car finance deal difficult. Thanks to ChooseMyCar’s specialise bad credit car finance, we’re able to ensure that everyone has a fair chance at driving away in a reliable car that’ll help you to get your life back on track after a CCJ.
Your credit score
Wondering how your credit score might impact your application for a car finance deal? Don’t worry, we’ve got you covered! Check out our comprehensive guide to credit scores to find out how your credit score impacts your application, what can influence your credit score, and how you might be able to improve your credit score for the future.
One of the most popular ways for those with bad credit to gain approval for a car finance deal is through the use of a guarantor. Guarantors act as a security net on your credit agreement, offering the lender peace of mind when they’re lending money to people who’ve had financial trouble in the past. You can learn more about guarantor car finance loans over on our dedicated page!
Hire purchase car finance
These deals are, without questions, one of the most popular choices for anyone who’s looking for a pay-monthly car finance deal. Hire purchase car deals, often abbreviated to HP, provide the applicant with a manageable, cost effective way to own a car after a period of time. There will be no balloon payment to worry about with a hire purchase deal - once you’ve paid off your instalments, the car is yours to keep!
Personal Contract Purchase deals
If you’re not too sure whether you’re looking to keep your car after the credit agreement period, or you’re looking to keep monthly payments relatively low, a PCP car finance deal might be the perfect choice. These deals offer flexible low monthly payments and the option to own the car with a balloon payment at the end, making them ideal for all situations.
Car finance with no credit check
To gain access to car finance, you’ll have to pass a credit check - that’s a fact, however, there are methods that those with bad credit can use to stand the best chance of avoiding rejected applications appearing on their credit file. ChooseMyCar’s two-step credit check, which is a soft check followed by a hard check, protects our lenders and customers throughout the application process.
Debt management plan
With a debt management plan in place, it can be incredibly difficult to gain access to new credit agreements, but in certain situations you will be given approval to buy a car if necessary. If you’re given this approval, a specialist DMP car finance plan could be the safest way to get yourself a reliable car at an affordable price.
Get in touch with us for an amazing range of used cars for sale today
We pride ourselves on our excellent customer service - we offer full car buying process support and your dedicated personal car buyer will work alongside you to find the perfect used car for your budget and situation. Want to find out more? Simply get in touch with us here today. We're here to make sure that you don't overpay and that you get the support you need - our expert team can be reached seven days a week.