Bestcarfinance • All credit scores considered

car finance decisions in minutes

Compare hire purchase and PCP-style options. Clear numbers, no jargon — see what you could borrow before you shop for your next car.

Check your eligibility Try the calculator

No impact on your credit score

  • FCA-style transparency
  • No deposit options available
  • Representative examples on request

Why drivers choose Bestcarfinance

  • Flexible terms — typically 24 to 60 months
  • Clear costs — monthly payment and total payable shown upfront
  • Support — friendly team to explain HP vs PCP

We work with trusted car finance partners only to provide you with the best options

About us

We help people find vehicle finance that fits real life — whether you are upgrading the family car or buying your first car on finance.

Everyone’s situation is different. We focus on clear explanations, fair comparisons, and a straightforward application path so you can decide with confidence.

10k+ Happy customers (example)
60s Typical quote preview
£3k–£50k Typical borrowing range

Drive in. Ride out.

A simple, supportive process that helps you get the keys with less stress.

Modern car illustration
Customer holding car keys

Our services

Choose the type of finance that matches how long you want to keep the car and how you prefer to pay.

Hire Purchase (HP)

Fixed monthly payments with ownership at the end of the agreement. Simple and easy to understand.

Personal Contract Purchase (PCP)

Often lower monthly payments with options at the end: return, part-exchange, or pay a final balloon to own the car.

Bad credit options

Specialist lenders may still help if you have a thin or imperfect credit file — subject to affordability checks.

No deposit

Many agreements can be structured with little or no upfront payment, depending on the vehicle and lender.

Business use

Spread the cost of vans or company cars while managing cash flow — ask about business-specific products.

Guidance & support

We explain APR, term length, and total payable so you can compare offers on a like-for-like basis.

Finance calculator

Adjust the sliders to see estimated monthly payments. Figures are illustrative only — not an offer of credit.

£12,000

Between £3,000 and £50,000

Over how many months?
What is your credit rating like?

36 monthly payments of

£0.00

Representative 0.0% APR (illustrative)

Total charge of credit
£0.00
Total amount payable
£0.00

This calculator uses a simplified loan model for education. Real car finance may include fees, different APR rules, and vehicle-specific factors. Always read the lender’s documentation.

Ready to apply? Check your eligibility — no impact on your credit score.

All credit scores considered

Check your eligibility

Complete our quick application form and we will review your details to find suitable finance options from our trusted partner panel.

No impact on your credit score

  • Finance any car
  • FCA-regulated process
  • No deposit options available

Step 1 of 18

Are you buying a car or a van?

How much would you like to borrow?

Must be between £3,000 and £50,000

£12,000

Do you have a full UK driving licence?

What type of driving licence do you have?

What is your marital status?

What is your date of birth?

You must be 18 or over

Where do you live?

Current address

Town and postcode

Are you a home owner or private tenant?

How long have you lived at your current address?

What is your previous address?

Required if you have lived at your current address for less than 3 years

What was your housing situation at your previous address?

How long did you live at your previous address?

What is your employment status?

What is your current job title?

We won't contact your employer

How long have you worked at your current company?

Roughly, how much do you earn each month?

Enter your income before tax. Minimum £1,000 per month.

Previous employment (last 3 years)

Complete if you have not been with your current employer for 3 years

Almost done — let us know who you are

Finally, where should we send your quote?

The personal information we have collected from you will be shared with fraud prevention agencies who will use it to prevent fraud and money laundering and to verify your identity. If fraud is detected, you could be refused finance.

Important Disclosures

Please read the information below before using our services.

Best Car Finance Limited FRN 1051550 is an Appointed Representative of Carfinanced Limited FRN 1014460, which is authorised and regulated by the Financial Conduct Authority. They are a broker not a lender.

While providing our services, Best Car Finance will receive remuneration from third parties in the form of commission or other benefits. The commission is typically a percentage of the loan amount or a fixed fee, depending on the product or provider. We will disclose the exact amount of commission to you before the conclusion of any transaction.

Contact us

Send a message and we will get back to you.