Instant car
finance quotes

No. The quote tool works out what you're likely to be offered without a credit enquiry being recorded against you. A credit check only happens later, once you decide to proceed with an application.

Your repayment depends on the amount financed, the interest rate, the term (usually 1–7 years), any balloon payment left at the end, and the lender's fees. Longer terms and balloons lower the monthly figure but increase total interest paid.

Most people finish in a few minutes. You answer questions about the vehicle, your income and where you live, and the tool returns live options rather than a callback promise.

Yes. New, demo, dealer and private sales are all financeable. Lenders differ on vehicle age and kilometre limits, and private sales need a little more paperwork to verify the seller and the vehicle.

The same tool covers motorbikes, caravans, trailers, boats, trucks and identifiable business equipment. Choose the asset type at the start and the questions adjust.

Yes. Several lenders are comfortable with self-employed applicants, and some will consider alternative income documentation instead of full financials. What suits you depends on how long you've been trading and what you can supply.

A balloon is a lump sum left owing at the end of the term. It lowers your monthly repayment but increases total interest, and you'll need to refinance, sell or pay it out at the end. It can suit business use; for a family car it's often better avoided.

Sometimes, but not automatically. A mortgage rate is lower, yet stretching a five-year purchase over thirty years usually costs more interest overall unless you deliberately pay the extra back down. It's worth comparing both before you decide.

Asset finance is much quicker than a mortgage. With payslips or business figures ready, many applications are assessed the same day, though timing depends on the lender and how complete the documents are.

Usually photo ID, recent payslips or business figures, and details of the vehicle. If you're refinancing an existing car loan, the current payout figure helps too.

There's no cost to get a quote. Lenders pay us a commission when a loan settles, and any fees that apply are disclosed to you in writing before you commit to anything.