How it works

3 Steps to your next new car

Get a quote

Simply input your information on our system, sit back, relax, and we'll do all the hard work and search the market for the best finance package to suit your circumstances. We'll come back to you with a decision in minutes, and one of our friendly staff members will call you back.

Choose a car

Now for the exciting part. Once we’ve processed the paperwork, you are free to choose your car. There are lots of dealers out there offering a wide variety of solutions, so finding the right car will be easy. We have trained specialists to help you along the way with advice and tips on your purchase.


Time to pick up the keys to your new car.
Enjoy, have fun and drive safe. :)

How car finance works

Car finance might seem daunting at first, but in reality, it's simple and easy. First; apply for finance by clicking here.

Presuming you are approved for finance; you will need to decide on the type of finance option you want;
Hire Purchase (HP) or Personal Contract Purchase (PCP.)


The most popular option used by customers of Car Finance Deals. Hire purchase (HP) is basically a loan to help you get a car or vehicle. Essentially you hire the vehicle from a finance lender until you have paid for it in full. You would repay a set amount each month and when the final payment is made; it’s yours to keep. Usually; no deposit is necessary. For more information, head over to our blog by clicking here.


Like HP, however you only pay he depreciation of the value of the vehicle. So, the monthly payments will be lower and at the end of the agreement you will not own the vehicle unless you decide you want to purchase it. If this is the case, there is an option to pay a lump sum at the end. PCP is a little more complex than HP. For more information, head over to our blog by clicking here.

Once you have decided the finance option; then it's a simple matter of choosing the lender whose product best suits your needs. We help with this part; the finance lenders we recommend to you are a selection of the key lenders in the market; helping us to provide you with the best possible rate.

Car finance is an easy way to purchase a car over affordable monthly payments. Payments can be made over a 12 month to 60-month typical period, with monthly payments starting from as little as £99 per month. It’s an easy way of keeping your savings in the bank for when you really need the cash. With many car finance lenders, there is no penalty for paying the car loan off early. Plus, a lot of finance lenders will also record every payment you make on your credit file so if you make payments on your car in full, and on time, as well as your other commitments plus take into consideration that you will need to be on the voters roll, and have a steady job, then your credit score rating may also increase.


It’s so important, we have built a blog article about it! There are helpful ways to improve you credit score; some of which we have written about. Click here to read this article and feel free to ask us any questions you like. There is also more helpful information listed on the Money Advice Service website which you can view by clicking here.

Excellent Good Fair Bad

You will notice on the Car Finance calculator an option to choose your estimated credit score. Your credit rating is an estimate of your ability for meet your financial commitments, this is calculated based on your credit history. It is good to keep an eye on your Credit Rating, particularly if you are looking to purchase something like a mortgage for a house or a new car. Your rating affects how trustworthy companies feel you are and the better your credit rating the better the rates you will get.


We have a large selection of trusted dealerships we work with throughout the UK. These have been appraised by us to ensure that you have the best customer experience possible. These dealerships have high levels of customer service when both purchasing your new vehicle and for aftersales.
You can search and find a car on the Car Finance Deals website via using the vehicle search. We may also be able to finance vehicles from a private sale or other dealerships that are not currently listed on our site. So please let us know if you have already found a car so we can contact the seller. Sometimes we may recommend against a dealership. On occasions where you have already found a vehicle, we will do our best to find an alternative vehicle to a similar spec to one that you have found.

We call you back

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Let's Talk Finance

Talk to a Specialist

You're our number one priority.
Call us. Sit back and let us do the hard work.
We're ready to help you get your exciting new vehicle.

0161 850 3729 Monday to Friday: 9:00am - 8:00pm GMT
Saturday & Sunday: 9:00am - 6:00pm GMT