Going the extra mile to get you the car and finance you deserve.

Search 107,784 Cars Check Your Eligibility

Does Not Affect Your Credit Score

FREE
Car Finance
Quote

Rates from 7.9% APR

Search 107,784 Cars Check Your Eligibility

Does Not Affect Your Credit Score

TrustPilot

We’re rated
Excellent 5 star

Search 107,784 Cars Check Your Eligibility

Does Not Affect Your Credit Score

Buy online with
Home Delivery

Search 107,784 Cars Check Your Eligibility

Does Not Affect Your Credit Score

Our friendly car buyers will
help you on your journey!

Search 107,784 Cars Check Your Eligibility

Does Not Affect Your Credit Score

Going the extra mile to get you the car and finance you deserve.

FREE
Car Finance
Quote

Rates from 7.9% APR

TrustPilot

We’re rated
Excellent 5 star

ChooseMyCar is Ranked #1 out of 108 companies in the section Car Finance and Loan Companies with 5 Star Reviews.

Buy online with
Home Delivery

Our friendly car buyers will
help you on your journey!

Why use ChooseMyCar?

The road to your next car just got miles shorter
Buy online with home delivery
  • Over 2500 dealerships nationwide

  • We welcome part exchanges

  • Get your car delivered anywhere in mainland UK

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Finance to suit your needs
  • Over 50 finance options available

  • £0 deposits available

  • We'll handle ALL of the negotiations on your behalf

Car Finance
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.

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Deal of the week

Skoda Octavia

From £159 per month

Monthly payment subject to credit score and deposit

Find out more
Skoda Octavia

Deal of the week

Tesla Model Y

From £835 per month

Monthly payment subject to credit score and deposit

Find out more
Tesla Model Y
Peugeot E 208

Deal of the week

Peugeot
E 208

From £386 per month

Monthly payment subject to credit score and deposit

Find out more

Deal of the week

Ford Puma

From £213 per month

Monthly payment subject to credit score and deposit

Find out more

Deal of the week

Nissan Qashqai

From £146 per month

Monthly payment subject to credit score and deposit

Find out more
Nissan Qashqai

Deal of the week

Seat Ateca

From £212 per month

Monthly payment subject to credit score and deposit

Find out more
We’re rated Excellent TrustPilot
4.9 out of 5 on Reviews 1774

I was looking for a new car and looked…

I was looking for a new car and looked at a few different options for finance. They were very quick to respond and explained how I would be able to find the car I needed and were very helpful with every question I asked. It was processed quickly without a problem. Very friendly on the phone and offered support throughout process.
Customer
31/08/2022

Very quick and easy experience I…

Sully was fantastic Very quick and easy experience I applied got accepted quickly and chose a car easily, my car is due to be delivered today
Tan
31/08/2022

Super helpful!

Saad was super helpful and made everything really easy for me. Always communicated and really looked for the best deal in my budget. Would definitely recommend!
Bethan
28/08/2022

Highly recommend

Dean was amazing and provided a great service. I was unsure about the cars and regularly changed my mind but he didn’t seemed phased and was always happy to help. Extremely friendly and professional service. Thank you
Bhav
29/08/2022

Chris helped me make sure it was the…

Chris helped me make sure it was the right deal for me if I had any questions he was there to answer them
Martin
23/08/2022

Brill customer service

Brill customer service, assisted in helping me find the right car for me, great customer service. I had a lad called Micheal assist me great asset for he company.
Rachel
18/08/2022

Dealt with Dean and he is so…

Dealt with Dean and he is so professional & very helpful. His knowledge and confidence helped in being able to find the right car.
Mandi Leadbitter
17/08/2022

Faultless

craig was very helpful and knew his stuff when it came anything extra that needed to be sorted the whole experience was quick incisive and to the point thank you craig for sorting my new vehicle out
Darren James
12/08/2022

SUPERB!!

Absolutely amazing service from this company, had Remi to help me throughout the process and got my car financed and delivered within two days. Would definitely recommend this company and Remi to everyone! Written by one happy customer.
Kayleigh
11/08/2022

Our Most Searched For Car Manufacturers 

Most Popular Used Models 2022

We are the experts in good and bad credit car finance

Car Finance

If finding your perfect car is this easy, affording it shouldn’t be a headache.

ChooseMyCar have collected together the UK’s most trusted Car Finance lenders, with a simple goal: to make financing your car as easy as choosing it.

Whether it’s Hire Purchase, Leasing or PCP, our lenders will offer you the fairest price on suitable finance.

Just answer a few questions on our simple form and our lenders will quote you deals you won’t find anywhere else. Choose the one you want, apply in a few simple steps and we’ll take care of the rest.

Once you’ve been accepted, your Lender will sort the finance for the car.

You pay them a low monthly installments and the dealership will hand you the keys.

Quick, simple, affordable.

It really is that easy.

Bad Credit Car Finance

A poor Credit History shouldn’t hold you back from the Car Finance you need, even if you’ve had CCJs or bankruptcies in the past.
We know that life isn’t always plain sailing. Illness, redundancy and changes in circumstances – they happen when we least expect them.

That’s why we work with specialist lenders to guide you through your options and secure the finance you need.

Our lenders can offer a number of Bad Credit Car Finance solutions – from Guarantor Loans to Joint Purchase Agreements – that can overcome damaged Credit Scores and put you back in the driver’s seat.

Just fill in a few details, chat to one of our friendly experts and we’ll match you to a specialist lender who can help.

We’re with you every step of the way, with advice and guidance that can get you the best deal possible, whatever your Credit Past.

So call one of our team today and talk through your options. We’ll find you the deal you need for the car you want.


No Deposit Car Finance

With incomes squeezed and household bills shooting up everywhere, it’s harder than ever to save for a deposit. But not every lender requires one.

Depending on your Credit History and income, you may be eligible for a No Deposit Car Loan and if you are, we’re here to help.

Talk to our friendly team and we’ll match you to one of our specialist lenders and help you to arrange finance that doesn’t break the bank in advance.

Our No Deposit Car Finance deals are ideal for first-time buyers who don’t have a car to part-exchange, or those who are at the end of a lease.

Our Car Finance Experts will help you to spread the cost of your finance evenly, giving you a clear idea of what you’re likely to pay so that you can budget with clarity, every month.

Pop your details in a simple form or call us and we’ll see whether you’re eligible for a No Deposit Car Finance deal today.

Car Finance Calculator

Our Car Finance Calculator is a fantastic way to see which car finance deal that’s best for you.

Enter the amount you want to borrow, how long you want your finance to last, and then the strength of your credit score and our handy calculator will do the rest.

See how much your monthly payment might be.

Discover the most likely interest rate you’ll be paying. And find out how much your loan will cost you overall. It’s simple, quick and entirely free.

Use the calculator to explore how your finance might change if you opt for a larger amount or a longer repayment period.

Discover how an improved credit score might lower your repayments.

Make choices that’ll offer you the best deal and you’ll be in a better position to choose the deal you want when you apply to one of our trusted lenders – all without touching your Credit Score.


Young Driver

Now you’ve passed your test, it’s time to get you on the road – but that can be trickier than you might think.

Young drivers are often too young to have built up a Credit History long enough to give them a solid Credit Score.

This means that, through no fault of their own, their Credit Score could work against them when applying for Young Driver Car Finance.

ChooseMyCar has the answer.

With the help of our trusted lenders, we can offer Car Finance that’s specially designed for new and young drivers, with Guarantor Loans and Joint Purchase Agreements that’ll side-step a low Credit Rating and get new drivers into their first car, fuss free.

Talk to our friendly team today and see what your options are. If we can help, we will.

Choose your car, choose your finance and drive away with a fantastic deal today.

CCJ / IVA

County Court Judgements and IVAs can seem overwhelming, especially if you really need to finance a new car.

Applying for finance to buy a vehicle – whether for work or family use – can seem like an impossible task.

In reality, neither CCJs or IVAs ban you from applying for Car Finance. All you need is the right advice.

That’s where we come in.

With our Car Finance experts on hand to help, we can match you with a Lender who specialises in car loans for people who have CCJs or have entered an IVA.

We’ll talk you through your options, your finances and any risks you need to know. We’ll explain the pitfalls as well as the benefits and put you in the best position to secure the finance you want for the car you need.

Just call and chat to our friendly team today.

Check Your Eligibility!

No impact on your credit score

Rates from 7.9% APR. Representative 21.4 APR

Frequently Asked Questions

Absolutely! Our team will guide you through the whole process, from arranging finance to securing your car and getting it delivered right to your door. It doesn’t matter where in the UK your car is when you buy it, we’ll arrange for it to be picked up and delivered to you as soon as the paperwork is complete – just tell us what you need.

At ChooseMyCar we understand that your Credit Score isn’t the whole story. Life changes. That’s why we work with specialist lenders to arrange Car Finance even if you’ve had bad Credit in the past. So long as you can demonstrate your ability to cover your repayments every month, we can get you the Car Finance you need.

A balloon payment, as you’d find in a PCP Finance agreement, is a voluntary final lump sum payment for buyers who want to buy their car outright at the end of their finance. The amount you pay is agreed at the start of your finance and the value of a car can go both up and down before the balloon payment is due. If the value of your car increases then you might be quids in on a balloon payment. If it depreciates more than you expect then your lender may get the better deal.

Either way, by splitting the cost into three parts in a PCP arrangement your Monthly cost will be significantly less than with a Hire Purchase deal. You also get a choice to move onto another vehicle or give the car back, skipping the balloon payment entirely.

That depends on the dealership but most dealerships will include one – though it may only last 12 months. It may also be that your car is still covered by its original warranty, especially if it’s under 3 years old when you buy it. Some Hyundai and Kia models have a warranty as long as 5 years. Electric cars often have powertrain warranties stretching to 8 years.

Check with your dealership if you’re looking for a warranty on a used car.

The interest rate and fees (APR) you’ll be charged on your Finance will depend on a number of factors, including your credit rating. The lowest APR we currently offer is as low as 7.9% on a PCP deal. For a car worth £20,000 and a downpayment of £2000 over Four years will cost £350 a month.