Car finance in London

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Are you on the lookout for car finance in London? If so, it doesn’t have to be an intimidating process; just apply through Car Finance Genie, and we will try to help find the perfect deal for you.

Getting car finance in London

Finding the right car finance can be a challenge – there are a number of considerations to take into account, and a range of lenders that could suit your needs.

A good car finance deal is one that suits you, not just the lender. If you have bad credit or no credit history at all, it may be difficult to get a loan. But if you have a job, a steady income, and some savings, then you could find a suitable loan.

Here at Car Finance Genie, we strive to make it as quick and easy as possible for people from a wide range of backgrounds, and in many different credit and financial situations, to gain access to affordable car finance in London.

How we work.

Car finance made easy with 4 simple steps

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 can find a car finance option which suits you
Your car finance application
Get decision
We compare our panel of lenders and our experts will be able to outline the best options available to you if approved
Ford Focus ST
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

Frequently asked questions

What is car finance?

Car finance is a form of loan or finance deal that enables you to afford a car by paying for it in instalments over an extended period of time – for example, three to five years. It can be a more affordable way of getting behind the wheel of a given desired vehicle than paying to buy it upfront.

What is a hire purchase (HP) deal?

A HP arrangement is one of the most popular forms of car finance. It involves taking out a loan and repaying this in mixed monthly amounts, until the entire cost of the vehicle – plus interest – has been paid for. Once all repayments have been made on a HP deal, the driver will be the owner of the car.

What is a personal contract purchase (PCP) deal?

Personal contract purchase, or PCP, is a form of car finance that has much in common with hire purchase, as detailed above. However, if you do commit to this type of car finance, and complete the repayments on the deal, you will have the option at the end of the loan term to buy the car, return it, or exchange it for another vehicle.

If you do decide you would like to buy the car on a PCP arrangement, you will need to make a final ‘balloon’ payment to the lender.

Is it possible to get car finance even if I have a poor credit history?

The short answer is, having bad credit won’t necessarily bar you from being approved for car finance. However, you might find it more difficult to obtain car finance – and at an affordable rate – than someone who has a better credit score.

Here at Car Finance Genie, we work alongside several lenders who specialise in helping people who have bad credit to get car finance. So, even if you have been turned down by other lenders, it could still be well worth applying through us for car finance, and we will do everything we can to find an acceptable deal for you.

Do I need a deposit in order to obtain car finance in London?

It can sometimes be possible to obtain car finance even without a deposit being needed. So, if you are on the lookout specifically for no-deposit car finance in London, don’t forget to mention this when you contact us. You can call our experts now on 01277 583 046.  

Make us your number one choice for London car finance

Wherever you are in London, our team at Car Finance Genie is ready and waiting to serve you. We will strive to provide you with a competitive and suitable car finance deal, so please don’t hesitate to make your free no-obligation application online today.

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!