• Covid Update:
  •  We are open 7 days a week
  •  All cars fully sanitised
  •  Free Contactless Delivery
  •   4.8 Stars On TrustPilot
Get approved for car finance today!
Apply now

FINANCE CALCULATOR

Borrow
£
Credit profile
Repayment term (yrs)
1
2
3
4
5
6
7
Rate
6.9% APR
Total cost of finance
£896.71
Total repayment
£5,896.71
60 monthly payments of
£98.28
Apply now

Convenient and affordable car finance in the UK – Bad Credit Car Finance

Are you a motorist in the UK on the lookout for car finance from a company that you can trust? If so, you’ve found the right place in CarFinanceGenie.

We make it our mission to provide competitive car finance, even to applicants who may have been turned down for loans in the past. We also take pride in our straightforward, hassle-free and transparent service, as well as in the wide range of options we provide for finance.

#WishUponACar with us!

Drivers of all backgrounds, circumstances and requirements routinely approach us for straightforward stress-free car finance.

Maybe you’re in need of a new car, but have a poor credit score and have been rejected for finance by other lenders. Or perhaps you aren’t in a position to pay a deposit for your next car finance deal, or are seeking car finance that doesn’t require a guarantor?

Whatever your own preferences and needs, we will work hard to give you the complete service, and many choices. It takes just a few minutes to fill in and submit our straightforward online application form.

When you do apply, we’ll only perform a ‘soft search’ at first, which will not affect your credit score. You’ll then receive a no-obligation quote, often instantly, but guaranteed to be on the same day.

It couldn’t be quicker or easier to find out what car finance deal we can offer you. Furthermore, with our panel of lenders including many that specialise in providing deals for applicants with bad credit, you’re likely to have a stronger chance of being accepted for finance than you would with our competitors.

Get the car you want, on a finance deal that suits you

We realise that it can be stressful and daunting to find the right car finance deal. That’s why we’ve gone out of our way to take all of the hassle out of the process for you.

Car finance products that are available from us include both hire purchase (HP) and personal contract purchase (PCP) deals. Both of these types of car finance involve the customer paying back a fixed amount each month, until the end of the loan term.

With a hire purchase deal, though, the car will become yours at the end of the agreement. If you instead opt for personal contract purchase finance, you’ll need to either pay a final balloon payment once the loan term concludes in order to own the car permanently, return the car or exchange it for another.

Car finance terms obtained through us generally last between two years (24 months) and five years (60 months). A longer term will mean a lower payment each month, although a shorter term will – of course – enable you to finish all of your payments earlier.

Another good way to reduce how much you need to pay each month is to pay a deposit. This will mean you have less to finance across the term of the loan. However, we also receive many applications from people who don’t wish to pay a deposit or include a guarantor, and we strive to cater to all of these needs, too.

We have exceptional  relationships with a number of carefully selected dealers giving you plenty of desirable and trusted vehicles to choose from. However, don’t worry if the car that you want isn’t represented in our current stock, as we also have an expert vehicle sourcing team to help you to find the right car.

You could be behind the wheel sooner than you think

We recognise here at CarFinanceGenie that every customer is different, and that you therefore deserve a service that is geared to your specific preferences and requirements.

You may have financed a car many times in the past, or this may be your first time seeking car finance in Essex. You may also be anxious to ensure that whatever car finance deal you are offered is one you can realistically afford to repay.

This is why we will give you responsible and honest advice, with no confusing technical jargon. We will then continue to communicate with you at every stage of our relationship, so that you can be sure of getting not just any car finance in Essex, but the right car finance in Essex.

With hundreds of cars now available through our partner dealers in Essex, we really are the perfect source of affordable car finance for drivers in the county. So, why not apply today?

MENU
Car Finance Genie