Find The Right Car Finance Deal For You
With car finance, you can spread the cost of obtaining a new or used car.
Having car finance means that instead of paying for the car upfront, you can divide the cost into manageable monthly instalments.
We believe that getting car finance should be easy and stress free. We remove all the jargon, explaining your options in terms you can understand. We do the hard work for you searching our large panel of lenders and presenting the viable options to you so that you can make an informed decision.
It is possible to get car finance with no deposit car finance and no guarantor. We compare different APR rates and arrangements with our Lenders to find a car loan for you.
Whether your credit history is poor or excellent, we’ll do our best to find you a suitable finance option and get you into the new car you desire.
How we work.
Car finance made easy with 4 simple steps
Rates from 10.9% APR: the exact rate you will be offered will be based on your circumstances, subject to status.
Representative example: borrowing £8000 over 5 years with a representative APR of 24.9%, a fixed annual interest rate of 24.9% APR and a deposit of £0.00, the amount payable would be £220.67 per month, with a total cost of credit of £5240.20 and a total amount payable of £13,240.20
We look the find the best rate from our panel of lenders and will offer you the best deal you’re eligible for. We don’t charge for our service but we do earn a fixed commission payment/percentage. This does not influence the interest rate you’re offered in any way but can vary by lender. You will be provided full information before completing your finance agreement and you can request further information at anytime. We do not charge a fee for our services.
We act as a broker, not a lender. Further info on request.
There are a number of finance products available to you
Hire Purchase (HP)
Hire purchase (HP) is our most common form of finance; you pay the car off monthly over a set term, at the end of the term you own the car outright. Benefits include no mileage restrictions and no lump sum payment at the end of the agreement.
– Deposit optional
– Fixed monthly payments
– Own the car outright at the end of the agreement with no balloon payment.
*It is possible to change cars before the end of the agreement.
Personal Contract Purchase (PCP)
Just like a Hire Purchase agreement, Personal Contract Purchase (PCP) gives you the option to pay an initial up-front deposit, followed by a set number of payments per month. At the end of the agreement you can either pay to own the car, return it or exchange it.
- Optional Deposit
- Fixed Monthly payment
- return the car, exchange the car or pay a lump sum (balloon payment) to own the car.
*Subject to mileage and condition.
Finance terms generally range between 2 years(24 months) and 5 years (60 Months.) The longer the term the lower payments will be.
No Deposit?
Whether you pay a deposit and the amount you pay is completely up to you, it is not always a requirement. Paying a deposit can be a good way to keep payments down as it will mean you are financing less.
The Finance products available to you will be dependent on your credit profile. As soon as you apply you will be assigned a personal genie who will be able to outline all of the options available to you.
Why choose Car Finance Genie?
Our incredible service
With over 100 independent 5-star reviews, don’t take our word for it. Find out what our customers have to say!
Trusted dealer network
We’d never send you to the wrong place! Our fantastic network of carefully picked, trusted dealers mean you can get the car you want with complete piece of mind.
SAF Approved
SAF Approved provides recognition for companies like Car Finance Genie where all of our staff involved in your finance application have passed the SAF Expert test.
CFG Quality Assured
Our rigorous checks and trusted dealers mean you can drive away without having any worries on your new vehicle’s quality.
No deposit finance available
We offer various flexible options within our finance options including bad credit finance and car finance without a deposit. Whatever your situation, we’ll try our best to help!
Years of experience
There’s no question our car finance specialists won’t try and answer. Put it to the test and get in touch today!
Rates from 10.9% APR. Representative APR 24.9%
The exact rate you will be offered will be based on your circumstances, subject to status.
Representative example: borrowing £8000 over 5 years with a representative APR of 24.9%, a fixed annual interest rate of 24.9%APR and a deposit of £0.00, the amount payable would be £220.67 per month, with a total cost of credit of £5240.20 and a total amount payable of £13,240.20
We look the find the best rate from our panel of lenders and will offer you the best deal you’re eligible for. We don’t charge for our service but we do earn a fixed commission payment/percentage. This does not influence the interest rate you’re offered in any way but can vary by lender. You will be provided full information before completing your finance agreement and you can request further information at anytime. We do not charge a fee for our services.
We act as a broker, not a lender. Further info on request.