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Get The Right Finance For Your Vehicle Today

  • 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 start from 8.9% APR with a representative APR of 8.9%*

What people have to say about us

Easy and very fair quotes, thanks.


Grays, United Kingdom

Very easy and quick to compare quotes.


United Kingdom

4.75/5 from 3260 customer reviews

Vehicle finance your way

Get the best independent quotes on the market for car credit

Searching through the many car finance deals available on the market can be a time-consuming and confusing task. The complexity and of car loans and the companies providing them means that you may have difficulty finding the deal that is right for you. 


Loans vs finance

Is car finance cheaper than a bank loan? 

A personal loan through your bank will usually be cheaper than taking out finance with a car dealership. This is because many dealers charge higher interest rates than banks. You should always keep interest rates in mind when searching for financing options.


How can I find easy vehicle finance? 

There are many online tools you can use to find vehicle finance easily. Depending on your credit history, you may have more of a task ahead as poorer credit scores usually reflect badly. However, if you have a guarantor you could still be able to source car finance.


Is vehicle financing bad for your credit score? 

Car finance is a form of debt and you will need to keep up your repayments to ensure your credit score is not negatively affected. If you are concerned you may not have the funds to pay back your monthly repayments on time, you should reconsider taking out car finance altogether. We always recommend doing your research via Quotezone before buying any new vehicle, on finance or not. 


Can I get vehicle financing with bad credit? 

Yes, you may still be able to get vehicle financing even with a poor credit score, though your options will be more limited and with a higher interest rate. We advise you to take some time to build up your credit score to a healthy credit rating before applying for any type of credit/loan. Each time you apply for finance without a healthy credit score, you risk reducing it even more, especially if you are rejected. 


How much interest do vehicle financing companies charge? 

Interest rates will vary from company to company. The amount of interest is determined by the length of the loan, how much you are borrowing and your credit history. We recommend comparing companies to ensure you find the best deal on your used car finance as there are many options available.


Am I eligible for vehicle finance? 

The only way to find out if you’re eligible for vehicle finance is to apply for this type of finance. One thing to keep in mind is that usually, those with a credit score below 500 will have much more difficulty securing a car loan or car finance via a dealership. You can always check your credit score and report to get an idea of whether you will be accepted. Some companies may also offer preliminary approval as long as you provide accurate details on your application. 


Are bank loans good for used cars? 

If you wish to buy a used car, a bank loan could be a really good option. As mentioned, interest rates are generally lower and you can trust your bank as a lender.

*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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