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 * About Us
   Main Menu
   About Us
   Previous Menu
    * Our Lenders
    * Our Partners
    * Careers

 * Car Finance
   Main Menu
   Types of Finance
   Previous Menu
    * Car Finance
    * HP | Hire Purchase
    * PCP | Personal Contract Purchase
    * Car Loan
    * Bad Credit Car Finance
    * No Deposit Car Finance
    * Negative Equity
    * Guarantor Car Finance
    * Low APR Car Finance
    * More Car Finance
   
   Type of Vehicles
   Previous Menu
    * Vehicle to Finance
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 * Find a Car
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Get a Quote


CUTTING THE COST OF CAR FINANCE

 * No Deposit
 * We help find you the perfect car
 * PCP and HP from 8.9% APR
 * Free car history and dealer quality check

Get a Quote Does not affect credit score

Trustpilot



OVER £1.05 BILLION IN LOANS APPROVED IN LAST 12 MONTHS

WELCOME TO CARMONEY, THE CAR FINANCE NINJAS! WE ARE A DEDICATED TEAM OF EXPERT
CAR FINANCE BROKERS WHO ARE HERE TO MAKE YOUR CAR-BUYING EXPERIENCE EASY AND
STRESS-FREE!

Our mascot here, Nikki has been trained in the mystical arts of the Ninja, and
has been passing his extensive knowledge onto our team to help them slice the
price of car finance! We pride ourselves on our fast, simple and transparent
process, and our friendly team of ninjas consistently show why we get such great
reviews! We are your one-stop-shop to find your next car, our ninjas can help
you find the right car, tailor a personal finance solution for you and even have
the car delivered to your door, it’s that easy!

Representative Example: Borrow £6,000 with £1,000 deposit over 48 months with a
representative APR of 17.9%, monthly payment would be £171.83, with a total cost
of credit of £2,247.84 and a total amount payable of £9,247.84. CarMoney Limited
can introduce you to a limited number of finance providers based on your credit
rating and we will receive a commission for such introductions this can either
be a % of the amount borrowed or a flat fee. This does not influence the
interest rate you’re offered in any way. CarMoney is a broker not a lender


HP FINANCE





PCP FINANCE





Representative Example: Borrow £6,000 with £1,000 deposit over 48 months with a
representative APR of 17.9%, monthly payment would be £171.83, with a total cost
of credit of £2,247.84 and a total amount payable of £9,247.84. CarMoney Limited
can introduce you to a limited number of finance providers based on your credit
rating and we will receive a commission for such introductions this can either
be a % of the amount borrowed or a flat fee. This does not influence the
interest rate you’re offered in any way. CarMoney is a broker not a lender


WHAT WOULD YOU LIKE TO FINANCE


CAR FINANCE

We’ll find you the best finance deals, saving you money every month.


TYPES OF VEHICLES

We’ll find finance options for cars, motorhomes, motorbikes or commercial
vehicles.


BUSINESS & COMMERCIAL

Nikki the Ninja is here to explore the various business vehicle finance options
available.


PARTNERS


How it works


APPLY ONLINE IN 2 MINS

Quickly and easily apply online. It only takes 2 minutes to provide all the
information we need to get you a car finance decision.


WE’LL FIND YOUR BEST DEAL

We’ll find you the best finance rate and ensure your new car is HPI checked from
a good dealership!


YOU DRIVE AWAY HAPPY

We’ll sort all the details and you just decide when to collect your new car… or
we can deliver it to you!

Get a Quote Does not affect credit score


BLOG

Read our brilliant selection of blogs, guides and articles!

BUILDING YOUR CREDIT SCORE: THE KEY TO UNLOCKING AFFORDABLE CAR FINANCE. 

July 15, 2024

DEMYSTIFYING THE ACRONYMS AND JARGON AROUND CAR FINANCE.  

July 11, 2024

USED VS NEW: NAVIGATING THE PRICE VS RELIABILITY CONUNDRUM.  

July 2, 2024

FIVE OF THE MOST COMMON MISTAKES TO AVOID WHEN SEARCHING FOR CAR FINANCE. 

June 26, 2024

CHOOSING YOUR DREAM CAR & MASTERING CAR FINANCE

June 19, 2024

BMW IX REVIEW – A GLIMPSE INTO THE FUTURE

June 11, 2024

BRITAIN’S BEST BUYS ON A BUDGET – CHEAPEST NEW CARS 2024

June 6, 2024

FUEL EFFICIENT CARS

May 28, 2024

HYBRID VEHICLE OPTIONS

May 21, 2024

GET BEHIND THE WHEEL ON A BUDGET WITH NO DEPOSIT CAR FINANCE. 

May 20, 2024


JOIN THOUSANDS OF HAPPY CUSTOMERS

Excellent

4.83 average
2,649 reviews

Andrei S

Verified Customer
Everyone from CarMoney was very helpful and manage my application very quick. I
really recommend
5 days ago
MoniQue

Verified Customer
Tom was thorough with my application, had a lot of patients and explained
everything clearly. Thank you
6 days ago
Anonymous

Verified Customer
Very pleasant and was helpful.
6 days ago
Kk

Verified Customer
Carly from payout team was very helpful and completely on it!
1 week ago
Joanne B

Verified Customer
I found the whole process from start to finish completely stress-free. Usman
helped us and stayed in touch with us every step of the way. He explained
everything very clearly and made sure we understood everything. Would definitely
recommend and would use again if needed.
1 week ago
Philomena A

Verified Customer
Wonderful and prompt response. They were very helpful all through the process,
would definitely recommend.
1 week ago
Md S

Verified Customer
Absolutely great. They helped me to find very low rate car finance.
1 week ago
Peter b

Verified Customer
Very helpful and understanding
1 week ago
Richard W

Verified Customer
Absolutely fantastic company, highly recommended. I had Mo Farid looking after
my application, brilliant from start to finish and very helpful. If you’re
looking for a new car, this is the company to use
1 week ago
Sean s

Verified Customer
Fantastic team. Quick and worked hard to get the deal over the line.
1 week ago
Diana P

Verified Customer
Very helpful team,aways answering to my questions in a professional manner and
quick responses. I recommend 100% CarMoney.
2 weeks ago
Jane

Verified Customer
A Great company, hassle free from finding a car and financing. Car money team
were very helpful and friendly and kept me updated every step. Also easy to
contact via phone call, email and text message.Its a thumbs up from me. One
happy customer 😊 Thank you car money
2 weeks ago
Glen f

Verified Customer
Easy to use no issues what so ever and very helpful staff. Highly recommend
2 weeks ago
Przemyslaw

Verified Customer
Super service. I am satisfied with my purchase.
2 weeks ago
Stephen

Verified Customer
Carmoney gets you the best rates for car finance that they could find. My Ninja
Steven was very polite and friendly. I gave four stars because I saw a car that
I wanted and we went through all the finance paperwork only to discover it was
already sold. Got there in the end though and very satisfied!
2 weeks ago
Ben w

Verified Customer
Fast and easy service, made financing my new work van a doddle just bank account
details and driving licence and my credit was secured. Perfect!
2 weeks ago
Kyle c

Verified Customer
Nice easy experiance, very helpful staff and fast acting when i found the right
vehicle.
2 weeks ago
Lamar

Verified Customer
After dealing with 3 absolutely useless independent brokers and a sea of
annoying telesales people who don’t listen car money were a breath of fresh air.
Got us by far the best deal we were offered and with the simplest least fuss in
the quickest time. Highly recommend - wish we just went straight to them!
3 weeks ago
Steven L

Verified Customer
CarMoney and ninja Lee were very helpful In assisting me to find a competitive
deal to fund my new vehicle.
3 weeks ago
Tim D

Verified Customer
Very quick and easy to deal with. All sorted out with minimum of fuss. Would
recommend.
3 weeks ago


OUR CUSTOMERS LOVE OUR CARMONEY NINJAS

CARMONEY NINJA SEAN

“Great service, Sean Davidson was great and was always trying to help and give
me the easiest experience possible. Thank you very much Sean.”

Brad


CARMONEY NINJA ALAN

“Alan, who I spoke with on the phone, was amazing! He sorted everything out for
me, it was so easy and was able to get my car the very next day. Fantastic!”

Michelle


CARMONEY NINJA SOPHIE

“Sophie who sorted my finance out for car was amazingly nothing was too much
trouble for her always kept me up to date. Five stars Sophie. Thanks for
everything”

Wayne


CARMONEY NINJA ELLIE

“My ninja from start to finish Ellie McGavin I Needed a car it was complete from
picking to collecting within 2 days friendly staff great communication
brilliant.”

Andrew


CARMONEY NINJA JAMES

“Excellent professional and courteous service nothing too much trouble James was
thoroughly committed to helping me source my car”.

Terry


CARMONEY NINJA FRAZER

“Frazer from car money made the experience of getting a car simple and easy.
Would definitely recommend to family and friends. Thanks again CarMoney!”

Scott






VIEW OUR VIDEO TESTIMONIALS

CARMONEY NINJA WILLIAM

William Rocks


WE COMPARE THE BEST DEALS FROM OVER 20 LENDERS




YOUR QUESTIONS ANSWERED


WHAT IS BAD CREDIT?



Bad credit is simply when you have a history of not paying bills, or perhaps you
have not had time to build up a substantial credit score. 

Your credit score consists of five main factors:

 * Payment history
 * Total amount owed 
 * Length of credit history
 * Types of credit
 * New credit

If you have a history of not making payments, building up debt, and making
multiple payment commitments you cannot afford then you will be considered
higher risk and will have a lower credit score. Even just being under 21 puts
you at a disadvantage, as you haven’t had time to build up a decent Credit
Score, all of these will therefore mean you are less likely to be accepted by
lenders for finance. 

If you wish to read more answers to common questions in this area, why not have
a look at: Car Finance with Bad Credit | CarMoney


WHAT IS NEGATIVE EQUITY?



Negative equity is a concept that normally relates to property – falls in house
prices can leave owners in a position where they owe more on their mortgage than
their home is currently worth. This issue can, for example, present difficulties
for anyone who’s thinking about selling a financed car.

When a car slips into negative equity while on finance, it can cause issues.
Find out what exactly this means and how to minimize any problems with CarMoney.

Car Finance with Negative Equity | CarMoney


WHY BUY WITH CARMONEY?



1. Our team of expert ninjas can help you even if you haven’t found a car yet!
With dealerships up and down the nation, we are sure we will find something to
your liking!

2. Your designated Ninja will guide you through the process and answer any
questions you may have. They are well trained and keen as a bean to get you the
best possible finance rates!

3. We provide some of the most competitive rates from our panel of lenders that
can cover even someone with a poor credit score.

4. We provide you with impartial quotes from trusted lenders and don’t push you
into a certain deal!

5. We will deliver the car to your door (if you need it) without you having to
leave the comfort of your armchair!


WHAT PAPERWORK WILL I NEED?



You will need a few things to hand when completing an application:

Licence: You will need to at least have a provisional/full UK licence on hand in
order to make an application. 
Employment status: If you are employed, you will be required to submit payslips
from the last 3 months (sometimes more depending on the lender).
Residency: You will need to have proof of address, some kind of utility bill, or
a formal document that has your name and address on it. Make sure you send the
entire doc, not just the address.
Passport: You will need a form of photo ID that isn’t a driver’s licence,
usually a passport.


CAN I TRADE-IN / PART-EXCHANGE MY CAR THAT’S ON FINANCE?



A common question we get asked! The answer to this question is yes and it
doesn’t matter whether you have a car on Hire Purchase (HP) or Personal Contract
Purchase (PCP), the process is simple. There are a few steps you will need to
take in order to do this:

Get a settlement figure from your current lender. Then, find out the value of
your car with any valuation tool. All you will need is your registration. Next,
time for a tiny bit of maths, subtract the settlement figure from your car’s
valuation price. This will equal the amount of equity available in your car. If
you have a positive figure, great news! You can use this amount of money as a
part exchange for your next car. However, if the figure is negative, you’ll need
to pay that amount of money on top of your new car’s price. 

Read more on the subject – Selling a Car that is on Finance | CarMoney


CAN I GET FINANCE WITH BAD CREDIT?



Poor credit history can severely affect your chances of securing any sort of
loan/financial service. 

Those with a lower credit score are less likely to get competitive rates and may
even be refused a loan by some of the lenders. There are, however, ways of
getting approved for credit even with a poor credit score, and there are things
you can do to improve your score too: 

1. Get a Credit Report

A credit report is a good place to start, as it will show you in detail your
credit history including your overall score. It will give you an idea of where
you’re going wrong and what you can do to improve your chances of getting 
finance. You can access a copy of your credit report for free from Experian,
Equifax or Callcredit.

2. Register on Electoral Roll

If you haven’t already, make sure you register on the electoral roll. Finance
companies look at this when they perform credit checks to see if your name and
address match up. If you’re registered on the electoral roll, it makes it easier
for finance companies to carry out these checks. Being registered won’t
transform your credit rating, but it does help and it’s easy to do.

3. Keep up repayments

This may seem obvious, I know but even making sure you pay a phone bill every
month or pay off a credit card (if applicable). Small steps are the best ways to
gain the trust of the lenders!

4. Keep Applications to a Minimum

The more applications you put in, the more ‘Hard Searches’ will be done on your
credit score. If you have a low score and frequently get declined, this can
severely affect your score in a negative way. Initially, an eligibility check,
or ‘Soft Search’, is a much better idea than a formal application. While it
won’t tell you for certain if a finance company will offer you a loan, it will
give you a good indication, and it won’t appear on your credit history. 

If you wish to read more answers to common questions in this area, why not have
a look at: Car Finance with Bad Credit | CarMoney

See all FAQs


WE COMPARE THE UK’S BEST CAR FINANCE – FAST! SAVING YOU THOUSANDS!

When you’re buying a car, you want to know how much you can afford to borrow.
And you need to know that you’re getting a great rate. All too often, that
information can be hard to come by. Or is unreliable.

But not if you leave everything to CarMoney and our helpful ninjas. Simply let
us know what kind of car you want to buy, and tell us a little bit about
yourself. We’ll credit check your eligibility with the UK’s top lenders and get
you approved with a great rate – fast! We compare over 20 of the UKs top lenders
so you can be sure that you are getting the best rate loan around. No jargon,
and no misinformation here.

A car finance acceptance with us will give you the confidence that you need to
walk into the dealership and drive off in the car you really wanted to buy; free
from uncertainty and the stress of haggling. We will do all the paperwork and
CarMoney finance is accepted at our network of over 12,000 trusted car dealers
across UK.


0333 016 4395
Info@CarMoney.co.uk

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 * CarMoney © 2016 - 2024 - Website driven by Autonomy, from mtc.
 * Terms & Conditions
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 * Help Centre
 * Cookies and Privacy
 * Initial Disclosure Document

CarMoney LIMITED is authorised and regulated by the Financial Conduct Authority
(FCA) for consumer credit activity and our registration number is 674094.
Representative 17.9% APR. Over 18’s only. CarMoney IS A BROKER NOT A LENDER.

REGISTERED ADDRESS: Pioneer House, 2 Renshaw PL, Motherwell, ML1 4UF,
Scotland.Company Number: SC467274.

All finance is subject to status and income. Written Quotation on request.
CarMoney Limited can introduce you to a limited number of finance providers
based on your credit rating and we will receive a commission for such
introductions.


Andrei S

Verified Customer


Everyone from CarMoney was very helpful and manage my application very quick. I
really recommend
Was this review helpful?
Yes
No

5 days ago

MoniQue

Verified Customer


Tom was thorough with my application, had a lot of patients and explained
everything clearly. Thank you
Was this review helpful?
Yes
No

6 days ago

Anonymous

Verified Customer


Very pleasant and was helpful.
Was this review helpful?
Yes
No

6 days ago

Kk

Verified Customer


Carly from payout team was very helpful and completely on it!
Was this review helpful?
Yes
No

1 week ago

Joanne B

Verified Customer


I found the whole process from start to finish completely stress-free. Usman
helped us and stayed in touch with us every step of the way. He explained
everything very clearly and made sure we understood everything. Would definitely
recommend and would use again if needed.
Was this review helpful?
Yes
No

1 week ago

Philomena A

Verified Customer


Wonderful and prompt response. They were very helpful all through the process,
would definitely recommend.
Was this review helpful?
Yes
No

1 week ago

Md S

Verified Customer


Absolutely great. They helped me to find very low rate car finance.
Was this review helpful?
Yes
No

1 week ago

Peter b

Verified Customer


Very helpful and understanding
Was this review helpful?
Yes
No

1 week ago

Richard W

Verified Customer


Absolutely fantastic company, highly recommended. I had Mo Farid looking after
my application, brilliant from start to finish and very helpful. If you’re
looking for a new car, this is the company to use
Was this review helpful?
Yes
No

1 week ago

Sean s

Verified Customer


Fantastic team. Quick and worked hard to get the deal over the line.
Was this review helpful?
Yes
No

1 week ago

Diana P

Verified Customer


Very helpful team,aways answering to my questions in a professional manner and
quick responses. I recommend 100% CarMoney.
Was this review helpful?
Yes
No

2 weeks ago

Jane

Verified Customer


A Great company, hassle free from finding a car and financing. Car money team
were very helpful and friendly and kept me updated every step. Also easy to
contact via phone call, email and text message.Its a thumbs up from me. One
happy customer 😊 Thank you car money
Was this review helpful?
Yes
No

2 weeks ago

Glen f

Verified Customer


Easy to use no issues what so ever and very helpful staff. Highly recommend
Was this review helpful?
Yes
No

2 weeks ago

Przemyslaw

Verified Customer


Super service. I am satisfied with my purchase.
Was this review helpful?
Yes
No

2 weeks ago

Stephen

Verified Customer


Carmoney gets you the best rates for car finance that they could find. My Ninja
Steven was very polite and friendly. I gave four stars because I saw a car that
I wanted and we went through all the finance paperwork only to discover it was
already sold. Got there in the end though and very satisfied!
Was this review helpful?
Yes
No

2 weeks ago

Ben w

Verified Customer


Fast and easy service, made financing my new work van a doddle just bank account
details and driving licence and my credit was secured. Perfect!
Was this review helpful?
Yes
No

2 weeks ago

Kyle c

Verified Customer


Nice easy experiance, very helpful staff and fast acting when i found the right
vehicle.
Was this review helpful?
Yes
No

2 weeks ago

Lamar

Verified Customer


After dealing with 3 absolutely useless independent brokers and a sea of
annoying telesales people who don’t listen car money were a breath of fresh air.
Got us by far the best deal we were offered and with the simplest least fuss in
the quickest time. Highly recommend - wish we just went straight to them!
Was this review helpful?
Yes
No

3 weeks ago

Steven L

Verified Customer


CarMoney and ninja Lee were very helpful In assisting me to find a competitive
deal to fund my new vehicle.
Was this review helpful?
Yes
No

3 weeks ago

Tim D

Verified Customer


Very quick and easy to deal with. All sorted out with minimum of fuss. Would
recommend.
Was this review helpful?
Yes
No

3 weeks ago

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