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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
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Rates from 6.9% APR Representative APR 19.2%

Car Finance With No Deposit

Imagine being able to obtain the right car for you at the right price, right now, with no stress. At CarFinanceGenie, we take pride in our straightforward and stress free service and provide great deals for no-deposit car finance.

Maybe you wish to get behind the wheel of a BMW, Mercedes-Benz, Nissan, Vauxhall or another desirable car, without having to pay a deposit first? Or maybe you have bad credit or just aren’t in a position to afford a deposit at the moment? 

Whatever your circumstances, we offer a straightforward, hassle-free route to car finance.

What is no deposit car finance?

Car finance that doesn’t require you to put down a deposit first. Both hire purchase (HP) and personal contract purchase (PCP) deals can be arranged through CarFinanceGenie for which a deposit is optional.

Obtaining car finance can be a daunting and stressful experience, especially if you have bad credit. You might have been turned down by various lenders in the past, and even if you were accepted, you may have been asked to pay a prohibitively expensive deposit.

The extensive network of lenders that we work with at CarFinanceGenie includes many that specialise in bad credit car finance with no deposit

We have high acceptance rates for cheap car finance deals with no deposit, so why not apply today? 

Not everyone wants to put down a deposit!

Some applicants for car finance may welcome a chance to pay a deposit, so that they don’t have to pay as much back each month over the term of the loan.

However for many of our customers the need to pay a deposit before they can secure car finance has been a source of stress. CarFinanceGenie therefore allows applicants to choose whether or not they wish to pay a deposit – and if so, how much.

What are your car finance options?

Car finance is all about paying for a car over a series of manageable monthly instalments, instead of paying the entire cost upfront. However, there are different kinds of car finance available.

Hire purchase (HP) is the most common, and once you have finished making the payments at the end of the loan term, you will own the car outright.

Personal contract hire (PCP) deals also involve fixed monthly payments. Unlike HP, though, when the loan term concludes, you can pay a final ‘balloon’ payment to own the car, or return or exchange it.

Finance terms can be as short as two years (24 months) or as long as five years (60 months). It’s possible to get either a HP or PCP deal without the need for a deposit; just apply online today to receive your no-obligation quote. 

Find the car you want, even with bad credit

Whilst we can’t guarantee that you will be able to obtain car finance through one of lenders, we can assure you that we will do everything in our power to get you approved. Gaining an approval depends on various factors, ranging from your age, employment status and income to your credit rating and the amount you’re looking to borrow.

We maintain strong relationships with a number of lenders that provide car finance deals with no deposit for bad credit applicants. So, even if you’ve been rejected for finance elsewhere, you’re welcome to apply for car finance through us! 

Not only do we give you plenty of cars to choose from through our partnerships with carefully selected dealers, but we can also help you to find specific models that aren’t listed in our stock.

Make us your one-stop shop for no-deposit car finance

At every stage of our relationship with you, we will strive to provide a communicative, honest and stress-free service. We don’t believe that you should be scared of applying for car finance, but you should also expect easy-to-understand, plain-English and responsible advice.

We’ll help you to make the right decision for your personal situation, whether you have good or bad credit, and whether or not you wish to put down a deposit or have a guarantor.

It’s simple; when you request a quote from us online, we’ll assess your particular needs and call upon our wide panel of lenders, so that we can present you with the most competitive deals for bad credit car finance with no deposit.

You will then be able to pick the deal that works for you, before our vehicle sourcing team helps you to find the perfect car for your needs and budget.

Finally, you’ll just need to complete the required documents and will be handed the keys for your new car. It’s all possible with our straightforward, hassle-free and transparent service at CarFinanceGenie.

Car Finance Genie