Your Car Your Way Your Finance
We Finance Any Car is a credit broker, not a lender. We have a range of car finance solutions for a range of needs – from popular options like HP and PCP to specialist services. Our mission is simple: to make buying a car through finance easy and accessible. Rates start from 10.9% APR. Representative example: Borrowing £7,000 over 60 months with REPRESENTATIVE APR of 23.90%, deposit of £0.00, amount payable is £192 /month, total cost of £4,520 & total payable is £11,520.
- Get your quote - No impact on your credit score
- Decision - A decision in 60s
- Search - Browse 1000s of available vehicles
Finance Your Next Car in 3 Easy Steps
Whether you’re wanting to own the car outright, looking for flexibility at the end of the agreement or struggling with a poor credit history, we can help.
Get Approved
Complete a simple 2 min application. We Finance Any Car compare quotes and deals from our huge lending panel to get the best APR (without affecting your credit score)
Choose Car
Once approved, it's time to find your car! We Finance Any Car from any reputable dealer. If you already have a car in mind - great! If not, we help find & finance your dream car
Sign + Drive
It's a simple & safe process. We'll sort the electronic paperwork & dealer negotiation. Once the forms are complete & the funds paid to the dealer, it's car collection time!
Calculate Your Finance
Looking for Personal Contract Purchase (PCP)?
Use our handy PCP calculator, you can change things like your deposit & expected annual mileage to get an informed estimation.
Why choose We Finance Any Car?
- Quick & easy
- All online
- Tailored to you
The world of car finance can be overwhelming. There are a tonne of terms and conditions to get your head around, and that’s just the application process…
That’s where we come in.
As a team, we have years of combined industry expertise – supporting people from all backgrounds with accessible finance solutions. But our service goes way beyond the basics.
Offering one-to-one support for each of our applicants, we will work with you to find a competitive rate that suits your budget. We believe that car finance should be tailored to you and not the other way around.
Expert guidance for confident car buying. It’s what we do best.
Flexible Car Finance Solutions
At We Finance Any Car, we recognise that every financial situation will be different. Simply put, a one-size-fits-all approach just isn’t good enough.
That’s why we offer a wide range of car finance solutions.
Whether you’re wanting to own the car outright, looking for flexibility at the end of the agreement or struggling with a poor credit history, we can help.
Hire Purchase
As one of the most popular finance options, Hire Purchase allows you to spread the cost of your car over a few months. It’s straightforward, affordable and ideal for those looking to own a vehicle without the scary upfront payment.
With no initial deposit required and no large balloon payment at the end, it’s the simplest road to car ownership.
Ready to get started? Check out our HP Car Finance solution here.
Personal Contract Purchase
Great for those with changing driving needs or those who simply like to switch things up, Personal Contract Purchase gives you options.
At the end of the agreement, you can either return your car, keep it or part-exchange for another make or model. And with lower monthly payments and future value protection, it’s no wonder it’s such a popular finance type.
Ready to get started? Check out our PCP Car Finance solution here.
Bad Credit Car Finance
Being held back by bad credit? We hear you.
Having a less-than-perfect credit score can affect a range of finance applicants, from young drivers with incomplete credit histories to the more extreme cases of bankruptcy and County Court Judgements.
Our specialist service is tailored to those who have been turned away from traditional lenders, meaning your chances of approval are higher with us.
Ready to get started? Check out our Bad Credit Car Finance solution here.
Used Car Finance
The second-hand market is full of fantastic cars – so why miss out?
Whether you’re on the hunt for a specific model or you’re in need of a dependable daily driver, there’s something for everyone. And, with the help of our finance service, it’s never been easier to get your hands on a car that you love.
Ready to get started? Check out our Used Car Finance solution here.
FAQs
Can I apply for car finance?
Absolutely!
There are numerous reasons that you might want to apply for car finance and we’re here to make the process as hassle-free as possible.
You may be a first-time buyer and are apprehensive about the process or you may be looking to upgrade to your dream car. Alternatively, you may have faced rejection after rejection due to your poor credit profile.
Our online service is made for you…
There are a few things to bare in mind when applying for car finance, these include:
- Age: Generally speaking, applicants need to be 18 or over.
- Valid identification: You’ll need a driver’s license or passport handy.
- Stable income: This could be in the form of employment, self-employment or other verifiable income sources. We even offer car finance for applicants on benefits.
- Creditworthiness: Although a healthy credit rating is preferable, securing a finance agreement with bad credit isn’t impossible! Submit an application and we’ll be able to support you.
- Affordability: We never want our applicants to take on a loan that they can’t afford. To get a good idea of your budget, you can use our finance calculator.
Which finance option is right for me?
This will all depend on your financial situation, personal preference and needs.
If you would prefer to have a structured repayment plan, opt for a Hire Purchase agreement. Having a set amount each month will make it much easier to manage your car loan alongside other financial commitments.
On the other hand, if you like the idea of lower monthly payments and greater flexibility with car ownership, Personal Contract Purchase might be a better fit. With this type of finance, you’ll need to make a final payment in order to keep hold of the car. This can be a fairly significant amount but don’t worry – if you can’t afford to pay it upfront, you can always refinance the balloon payment.
Still unsure which option to go for? Get in touch! A member of our team is always on hand to offer guidance and support, whenever you need.
What is APR?
APR, short for Annual Percentage Rate, is a fancy term for the amount of interest you’ll be required to pay per year, as well as any additional fees or charges. It gives you an accurate picture of the annual cost of your finance agreement.
Generally speaking, a lower percentage means you’ll pay less in interest and fees.
I can't find a car that meets my needs - can you help?
Yes, we can! Not only do we provide tailored finance solutions, but we also have thousands of quality vehicles on offer. Plus, we partner with FCA-authorised, reputable car dealers, so you’re in the best hands with your buying journey.
Browse from larger models that are perfect for everyday family life, efficient cars that you can rely on and stylish options that are guaranteed to turn heads.
We have everything you need, all in one place.
Need Help & Advice?
We Finance Any Car are here to help. Our FAQs can be found here. Alternatively call us on 01277 808080 or arrange a call back below at a time that suits you.
Arrange a call back
Opening Hours
Mon to Fri: 08:00 – 19:00
Saturday: 09:00 – 16:00
Sunday: 10:00 – 16:00