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Compare same-day car finance

Fast car finance quotes

  • Competitive PCP & Hire Purchase Quotes
  • Quickly compare offers from an extensive panel of lenders
  • Get the best available rates on cars from £15,000 – £250,000
  • Trustpilot 5-Star rated team with expert knowledge
  • Rates from 8.9% APR with representative APR of 8.9%*

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Compare same-day car finance

Access some of the fastest same-day car finance quotes from across the UK

Whether you’re in a hurry to replace your vehicle, or simply don’t want to wait for your car loan, getting same-day car finance can be a huge advantage.

However, if you’ve never applied for fast car finance before, you might be unsure how to go about it. Luckily, this handy guide has all the details you need to make the whole process simple.

How does same-day car finance work?

Ultimately, same-day car finance works in a similar way to standard financing. Once you have chosen the vehicle type and payment plan you prefer, you’ll submit an application to your chosen lender, so they can run checks and make a decision on your case.

With same-day car financing, the lender’s checks will be fast-tracked, so that they can release the funds to you on the same day. 


What are the different types of car finance?

When you finance a car, there are three main payment styles to choose from. The first option is a personal contract purchase (PCP), where you pay a deposit and several instalments towards a car that allow you to use it as your own. Once the PCP ends, you will either be able to return the car or pay a lump sum to own it entirely.

Instead, you might prefer a hire purchase (HP) plan, which has a similar format to a PCP, but means you’ll automatically own the vehicle at the end of your payment plan.

Finally, you might decide to take out a personal loan. This is where you borrow a lump sum to pay for your new vehicle outright, and then repay the money (plus interest) over time.

Who can apply for fast car finance?

Anyone eligible to borrow money in the UK can apply for fast car finance. In most cases, this means you must be over 18 and be able to prove you’re a UK resident with a stable income.

Is it harder to qualify for same-day finance?

In the majority of cases, it shouldn’t be any harder to qualify for same-day finance than standard finance. 

However, it’s a good idea to have all your documents to hand when you make your application, so that your lender doesn’t have to chase anything up and can reach a decision more quickly. 


Why should I get same-day car finance?

You might opt for fast car finance for a variety of reasons. People who have unexpectedly lost their old vehicle, or who depend on their vehicles day-to-day, will often opt for same-day financing to avoid disruption as much as possible. You might also prefer a fast-tracked loan if you want to replace your car as soon as possible – or if you simply don’t want to wait around for financing approval.

How long does standard car finance take?

Surprisingly, standard car finance can take as little as two days, as long as you give your lender all the details and documents they need upfront.


Is it worth paying off my car finance early?

In general, paying off car finance early can be a wise move, as it helps you to cut down the amount of interest you pay. If you don’t want to pay the entire remaining amount at once, many lenders will instead allow you to increase the frequency or sum of your instalments to shorten the repayment period.

Remember, never repay your car loan early if it would create a difficult financial situation, and always do your research before you commit to a plan.

*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

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