Bad Credit & No Deposit Car Finance Deals in Manchester

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

Here at CarFinanceGenie we specialise in helping the people of Manchester and the UK in getting the keys to their next car, no matter what their financial situation.

We specialise in both Bad Credit Car Finance and Car Finance with Zero Deposit, meaning we will do everything we can to get you into your next car as soon as possible!

Famous for incredible music, superstar footballers, great shopping and much more, Manchester also has a rich car history.

Being the first location that Ford set up a factory outside of America, Manchester has been a car loving city for decades.

Get in touch today to see how we can get your feet on the pedals of a brand new car!

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

No matter which make or model of car a customer requires, what their financial situation is or what their circumstances are at the time, people trust us here at CarFinanceGenie to make their Manchester car finance dreams a reality.

Maybe you need a new car as your family is growing, or a new car that won’t let you down on your daily commute. Maybe you just finally think it’s time for something new. Whatever you need your new vehicle in Manchester for, one quick application form and you’re on  you’re way!

It couldn’t be quicker or easier to find out what car finance deal is right for you. With our panel of lenders including many that specialise in providing deals for applicants with various credit issues and financial situations, you’re likely to have a stronger chance with CarFinanceGenie than you are elsewhere!

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 car in Manchester very soon!

We recognise here at CarFinanceGenie that every customer has different requests and requirements, whether they are in based in Manchester or beyond. We offer a service that is specifically developed to cater for your specific preferences and requirements.

Whether you have financed cars before in the past or this is your first time, our specialist Car Finance Lenders in Manchester can help you every step of the way.

We won’t bombard you with confusing technical jargon or small print terms. We’re transparent and clear every step of the way because if you are happy, so are we.

With hundreds of cars now available through our partner dealers in Manchester, we really are the the best place to get your new car!