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Credit profile
Repayment term (yrs)

Rates from 6.9% APR; the exact rate you will be offered will be based on your circumstances, subject to status.

Representative example: borrowing £6500 over 5 years with a representative APR of 19.2%, an annual interest rate of 19.2% (Fixed) and a deposit of £0.00, the amount payable would be £161.46 per month, with a total cost of credit of £3087.50 and a total amount payable of £9687.50.

We act as a broker, not a lender.

6.9% APR
Total cost of finance
Total repayment
60 monthly payments of
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Rates from 6.9% APR Representative APR 19.2%

Providing The Best Car Finance Deal Today

The principle behind car finance is simple: instead of paying the entire sum for a car upfront, you can divide the cost into manageable monthly installments.

There are various car finance products available. At CarFinanceGenie our main focus is on two finance products; hire-purchase deal and personal contract purchase. Don’t worry – if you’re already lost. We break down the jargon and will always explain everything to you in straightforward and honest terms.

There are various factors which can impact the cost of your monthly payments, including; the length of the term, whether you choose to pay a deposit and the strength of your credit rating. There are a lot of possibilities when it comes to car finance, and we’ll delve into some of them in more detail below.


Ready for a new car? Get a no-obligation finance quote. We consider most credit situations and have access to a wide panel of lenders, so we could find a car finance option which suits you
Get Approved
We compare our panel of lenders and our experts will be able to outline the best options available to you
Choose a Car
With hundreds of trusted quality used cars available from our carefully selected dealers, your dedicated Genie will be on-hand to help find the right car for your needs and budget
Drive Away
Wish granted. Complete all of the required documents and get the keys to your new car

The car finance deal that you can obtain – as well as the one that best suits your requirements – will naturally depend on a range of factors and we are on hand to advise and help when you are choosing a product that fits your needs. Obtaining the best car finance deals available to you will depend on factors such as your personal and financial circumstances, your age, employment and credit rating. We work with a number of different lenders and will always ensure that we have found you the best deal possible. Whether you have CCJs on your file, are in an IVA or have been previously declared bankrupt (now discharged) we are here to help.

‘Hire Purchase’ is the most common form of car finance, and is the most popular product here at CarFinanceGenie. A hire purchase deal simply involves the borrower paying for the car by making monthly repayments over a set term, at the conclusion of which, they own the car outright. There is no mandatory deposit required and your payments will never change. It is also possible to pay off the agreement early and to make one off payments at your discretion. There are no fees or charges and there will be no final lump sum, or ‘balloon’ payment for them to pay. At the end of the term they simply own the car.

A personal contract purchase arrangement has a lot in common with a hire purchase agreement. In both cases, a deposit is optional, and the monthly repayments remain fixed at the same level throughout the term. The main difference is that if you take out PCP car finance, the vehicle won’t automatically become yours at the end of the agreement, instead you are given a choice; you can either choose to acquire the car by paying a final lump sum, or ‘balloon’ payment or at the end of the term you can choose to simply exchange or return the car. Ultimately the best option for you will come down to eligibility and personal choice.

At CarFinanceGenie we promise to make the process of finding and financing the perfect car stress free. For far too many people securing car finance is an arduous and long winded task. In 2018, our co-founders set out on a mission to simplify a process that can be daunting and confusing and we take great pride in our exceptional track record in achieving acceptance for customers who may have struggled to get car finance in the past. CarFinanceGenie provide a stress-free and honest service for those who simply want to find the right car for the right price. We break down all the technical jargon and we supply all the information so you're able to make an informed decision. It is our mission to be straightforward and honest with 100% of the people we deal with. We operate with complete transparency and ensure that you are communicated with every step of the way.

We are partnered with a number of carefully selected dealers. There are literally hundreds of trusted quality used cars available. It’s quick and easy to view our latest listed stock online now. On our website, you’ll find the likes of BMWs, Audis, Mercedes-Benzes, Nissans, Fords and so many more key manufacturers and models. Can’t find the right car in our current stock? We also have an expert vehicle sourcing team who are on hand to find the car you desire.

While we can’t guarantee approvals for people with a poor or bad credit history will be able to get car finance through us, we will always strive to help you. If this describes your situation, your chances of securing car finance are better than they would be with many of our competitors. That’s because we maintain strong relationships with a number of lenders who specialise in providing car finance to those with bad credit. As with every application that we receive, when you request car finance through us, we will do everything in our power to match you with a car finance offer that fits your needs and budget. Getting car finance should be straightforward and stress free, whatever your circumstances. There’s no need to look further than CarFinanceGenie. #WishUponACar

Car Finance Genie