Login Menu

Low APR Car Finance

Car Finance With Low APR

  • Competitive PCP & Hire Purchase quotes from an extensive panel of lenders
  • Get the best available rates on cars from £15,000 – £250,000
  • Use a Trustpilot 5-Star rated team with expert knowledge
  • Rates from 8.9% APR
  • Representative APR 9.9%*

What people have to say about us

Easy to navigate and found me the best price for car insurance


Basildon, United Kingdom

Thanks to Quotezone I got a great deal on my car insurance . It turned out cheaper than last years.


Gloucester, United Kingdom

4.75/5 from 3370 customer reviews

Low APR Car Finance

Car Finance With Low APR

Get low APR car finance today by using our quick and easy-to-use car finance comparison service

Comparing low APR car finance is simple. Just enter your details into our car finance comparison form and we’ll do the hard work to find competitive car finance deals fast. We’ll compare deals from a wide range of UK car finance providers to find you great deals. We know that everyone’s situation is different, which is why we’ve made our service as comprehensive and flexible as possible. Find out more about low APR car finance below.


How can I lower my APR on a car loan?

There are a few things you can do to secure car finance with low APR.

  • Shop around for the best rate. Get quotes from multiple lenders, including banks, credit unions, and online lenders.
  • Save more for a down payment. A larger down payment will decrease the amount you need to finance, which can mean a lower APR.
  • Improve your credit score. A higher credit score will make you a more attractive borrower and could get you a lower APR.
  • Choose a shorter loan term. A shorter loan term means you’ll pay off the car quicker, which can lead to a lower APR.
What is the lowest APR on a car loan?

The lowest APR on a pay monthly car loan will depend on your credit score, the length of the loan, and the type of vehicle you’re financing. Interest rates can vary widely, so it’s important to shop around and compare rates before you commit to a loan. To get the lowest APR car finance deals, simply use our car finance comparison service today.


Why is my APR so high if I have good credit?

In finance, the more risk you take, the higher your expectations for a return. If you have good credit but are financing a high-risk purchase, like a luxury car or a vehicle with a history of mechanical problems, your APR may be higher to reflect the increased risk. If you are currently unemployed or have high outgoings, your APR may be higher to reflect the increased risk of default.


What is an introductory APR?

An introductory APR is a low interest rate that is offered for a limited time, usually 12 months or less. After the introduction period ends, the APR will increase to the standard rate. Introductory APRs can be helpful if you’re planning to finance a large purchase, like a car, and want to save on interest. Just be sure to pay off the loan before the intro period ends, or you’ll be stuck with a higher APR.

*Representative Example – Personal Contract Purchase: Cash Price £15,000.00, Deposit £500.00, borrowing £14,500.00 over 4 years at 8.9% Representative APR (fixed). 47 monthly payments of £228.99 followed by a final payment of £7,560.00. Total cost of credit of £3,832.53 and total amount payable of £18,832.53. Based on 8,000 miles per annum, excess mileage charges will apply if this is exceeded. Finance subject to status 18+ only. We are a credit broker and not a lender. Magnitude Finance is a trading style of DSG Financial Services Ltd. DSG Financial Services Ltd is a company registered in England & Wales with a company number 02313903. Our VAT registration number is 511678843. DSG Financial Services Ltd is authorised and regulated by the Financial Conduct Authority under firm reference number 649675

Car Finance