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Bad Credit & No Deposit Car Finance Deals in Manchester

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

Call: 01277 583 046

Or scroll to learn about Car Finance Genie


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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!


Find the car you want, even with bad credit

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Prices subject to finance check.

Rates from 6.9% APR Representative APR 19.2%.

We make it our mission to try to provide competitive car finance, even to applicants who may have been turned down for loans in the past. We also take pride in our straightforward, hassle-free and transparent service, as well as in the wide range of options we provide for finance.

Why Choose Car Finance Genie?

Our Incredible Service

We offer fantastic customer service, based in Brentwood, Essex, throughout your application process and beyond. With over 100 independent five 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. As we hand pick our dealers, we trust them to provide you with the vehicle you want in exactly the condition you want it at a great price!

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. This makes us ready to assist and give you the best advice on any queries you may have.

CFG Quality Assured

Here at Car Finance Genie, every vehicle is quality assured to our highest quality assurance standards. 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

Want to get a great car finance deal but haven’t been able to build up a deposit to put towards it? No problem! 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

Our experts have many years of experience combined- whatever your situation is, we’ve probably seen it before! There’s no question our car finance specialists won’t try and answer. Put it to the test and get in touch today!

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!

How It Works

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:


Credit profile
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 11.3% (Fixed) and a deposit of £0.00, the amount payable would be £169.54 per month, with a total cost of credit of £3672.40 and a total amount payable of £10,172.40.

We look to find the best rate from our panel of lenders and will offer you the best deal that you’re eligible for. We don’t charge a fee for our service, but we do earn a commission. This does not influence the interest rate you’re offered in any way.

We act as a broker, not a lender.

6.9% APR
Total cost of finance
Total repayment
60 monthly payments of
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Rates from 6.9% APR Representative APR 19.2%

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!

We are extremely proud of every single one of our independent customer reviews

Car Finance with No Deposit FAQs

No! We’re not only serving the people of Manchester, but the whole of the UK.

Applying for car finance as a resident of Manchester could not be easier. Fill out all of the details of your current situation, what you require and the terms you can pay back your agreement and we can tell you the best option for you. Use our calculator here to find the best situation for you!

It is that easy!

Although we never guarantee a successful application, we try and provide a solution to whatever your issue may be. A no deposit car finance option may well be the best solution for your circumstances.