At ChooseMyCar we specialise in getting low rate car finance deals for our customers. As experts in the market we are here to help you find the best car finance deal for you. We pride ourselves in offering:
- Low Rate Car Finance Deals from 6.9% APR
- No Fees or Jargon
- Quote without affecting your credit score
- Get a quick decision on your application
We can help you find low rate cars finance for used cars from all of the major car manufacturers, and it is easy to find out what you can afford. Try out our car finance calculator, which will help you find the lowest rates for you. Or you can apply for car finance with us today to get a properly personalised quote back on your low rate car finance deal.
When applying online through our easy to use application form, we will only complete a soft search, meaning your credit score will not be affected. This means we can make a quick decision to see if you are eligible for low rate car finance.
Once your application for low rate car finance has been accepted, you’re then free to search and find your next used car through our easy to use used car search tool.
Low rate car finance criteria
While there’s no guaranteed way to get the lowest rates for car finance, there are a number of criteria that can help. If you meet these criteria or can aim for them, then you may be able to get a low rate car finance deal.
- Have a good, very good or exceptional credit score
- Don’t have a CCJ or IVA on your credit report
- Have followed the steps to improve your credit score
- Understand your own credit report
- Paid off previous debts and ongoing credit agreements in full and on time
- The amount you can put down as a deposit can also affect your rate. Generally, a higher deposit will get you lower rates.
Please note that that low rate car finance is typically only available to people with a good or excellent credit score. Should you have a poor or bad credit score, we have information on how to obtain car finance with bad credit.
Low Rate Car Finance Deals
If you’re after car finance deals with the lowest rate possible then you’re in the right place. Car finance with low interest rates means that overall you’ll only pay off the value of the car, with as little interest as possible. This means you’ll not be out of pocket for more than you need to be.
All of our car finance deals are available on all of our stock, but some cars and manufacturers may be better for people with different financial situations. Popular manufacturers to buy on finance with Choose My Car include: