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The right way to the right car

Simple, speedy car finance that puts you in the driving seat when choosing a new car.
how it works

Car finance that puts you first

Our first priority is getting you the best outcome and a finance product that is affordable and suitable for your needs. Getting your finance in place first puts you in pole position.
Simple and speedy
Applying online takes just a few minutes and we'll only show you the deals suitable for your needs.
Get an instant decision
We'll give you an instant decision once you've chosen the right deal for you.
Find the perfect car
You're free to find your perfect car from any reputable dealer based in the UK.
We’re turning car buying on its head
Buying your perfect car and sorting the finance can be a bumpy road. We're doing things the right way, with car finance you can trust. That's a first.
  • Finance first is the right way
    We do things differently. That means putting our customers first and making car finance fairer for all.
  • Tailored offers that put you first
    Our quotes are customised to your circumstances, so you’ll get an option that suits you.
  • All types of credit history
    We work with lenders who specialise in securing car finance, even if your credit rating is fair or low.
  • A team with a first in car finance
    Our friendly team have extensive experience and work hands-on to get you the best deal.

First things first...

How much can you expect to pay monthly for your new car? Enter a few simple details and let our finance calculator do the rest.

Questions we get asked a lot...

  • Will applying for finance affect my credit score?
    Good news; it doesn’t. As part of the application process, we perform a soft credit check to ensure we can get an approval from one of our lenders. Your credit report may be updated to reflect this, but your score will remain unaffected. A hard credit check is only done once you lock in a finance option.
  • Am I eligible for a car loan?
    If you’re over 18 years old and have a minimum of three years’ address history in the UK, you can apply for a car loan with Car Finance First.
  • How long does it take to get a car loan?
    Receiving a decision takes less time than you think. Once you hit send on your application, we’ll do the rest and offer results within minutes. We’ll then assign you an account manager who will phone to double-check your details and explain the next steps.
  • How much will my car finance cost?
    The total cost of financing your car is determined by how much money you borrow, plus interest and any other charges you’ll pay over the course of your loan repayment period. Hire purchase repayments generally include a portion of your loan and interest payment. The interest rate is influenced by several factors, like your credit score. Increasing your credit score can help you access more favourable rates.
  • I’ve been refused elsewhere; will my application be considered?
    Being refused by other lenders doesn’t automatically exclude you from applying, and we do our best to help customers who have previously been unsuccessful. It can be disheartening but loan or finance refusal doesn’t have to be the end of your search. Some of our lenders specialise in arranging car finance for people with bad credit.
  • Am I limited to certain car dealerships?
    Our only requirements are that your new car is sold at a reputable dealership based in the UK.
Still got questions about car finance?