Car Finance In Luton & Across Bedfordshire

We promise to make finding and financing a car straightforward and stress free

Are you somewhere else in Bedforshire or even somewhere else in the UK? Are you 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 that will do all we can to make your dream car a reality via our various car finance deals!

Are you a motorist in Luton, looking to buy a Land Rover? From Bedfordshire looking for a BMW? From Milton Keens and want to drive a Mercedes-Benz?

Whatever you want to be driving and wherever you’re from in Bedfordshire or Luton 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!

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

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 financial position to pay a deposit for your next car finance deal and need a specialist lender to try and suit your situation.

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.

With many people asking, can I get car finance with bad credit, many people are now searching for solutions that other companies just don’t offer in Luton or across Bedfordshire.

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.

Use our handy Car Finance Calculator to get started:

Our finance calculator
Repayment term (years)

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 £5420.20 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 will receive a commission. This does not influence the interest rate you're offered in any way but can vary by lender.

We act as a broker, not a lender. Further info on request.

6.9% APR
Total cost of finance
Total repayment
60 monthly payments of

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 of your dream car soon!

We recognise here at CarFinanceGenie that every customer in Luton and across Bedfordshire is different, and that you therefore deserve a service that is geared to your specific financial situation and repayment possibilities.

You may have financed a car many times in the past, or this may be your first time seeking car finance in Luton or Bedfordshire. We’ll do all we can to ensure that whatever car finance deal you are offered is one you can realistically afford to repay.

This is why we don’t bombard you with 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 Luton or Bedfordshire, but the right car finance.

With hundreds of cars now available through our partner dealers not just in Luton and Bedfordshire, but across the country. So, why not apply today?