Convenient and affordable car finance in the UK & Essex
We promise to make finding and financing a car straightforward and stress free
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 are a car finance specialist based in Essex that will deal with all your inquiries and applications from Essex and beyond!
From Purfleet looking for a Peugeot? From Southend looking for a Suzuki? From Romford looking for a Renault? Whatever you want to be driving and wherever you’re from in Essex, we are the people who could make it happen. View our stock today to see if the car of your dreams is one application away!
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?
Here at Car Finance Genie, we specialise in all manor of car finance options in difficult situations. This includes bad credit car finance and car finance with zero deposit.
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.
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.
How we work.
Car finance made easy with 4 simple steps
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.
Use our handy Car Finance Calculator to get started:
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.
Car finance products that are available from us include hire purchase (HP), conditional sale 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. Our team are happy to explain the different types of agreements further, just ask!
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 information, 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?