Introduction
About Car Loans
Bad Credit
FAQs
How to finance your car
Carloans.co.uk want to help you finance your dreams.
Whatever type of car or vehicle you want , whether it be a used town runabout or a brand new Bentley, a motorbike or a motorhome - we're here for you.
You can apply online for a quote or call us free on 0800 279 6000, and our dedicated staff will do all the hard work for you.
Carloans.co.uk is part of the Cavendish Finance group, arranging car finance and unsecured car loans for over 30 years. This site aims to get you the best quotes for car loans online with the cheapest rates.
All circumstances are considered so even if you have ccj's, arrears, debt problems, a bad credit history or have been turned down elsewhere, give us a try.
Similarly if you are self employed or have no proof of income please get in touch because we want to help you get the car of your choice.
In fact no matter what your circumstances if you are looking for a cheap loan to buy a new or used car please get in touch.
Click or call free today for a FREE, no obligation quotation.
We now offer a car loan calculator to enable you to see your possible monthly repayments and APR.
You can find out more about the different ways to finance your car purchase by visiting our car loan information page detailing personal car loans, HP/hire purchase, lease purchase and personal lease.
Carloans.co.uk is part of the Cavendish Finance group. Cavendish have been arranging finance for over 30 years for people from all walks of life and from all financial backgrounds.
We are credit brokers based in Nottingham but providing loans for people throughout the UK.
Carloans.co.uk is a specialist car loans provider offering applicants many different ways of buying their car or other vehicle (motorbike, motorhome etc.).
We aim to make it easy for you. We have a very short enquiry form online or you can give us a call on our freephone number.
All circumstances are considered, including people with credit problems or bad credit, so even if you have ccj's, arrears, debt problems or have been turned down elsewhere, give us a try.
Homeowners, tenants and people in other residential circumstances can apply.
In fact no matter what your circumstances if you are looking for a loan to buy a car please get in touch.
Click or call free today for a FREE, no obligation quotation.
For more information about our car loans visit our car loan information page. To see how much you might pay each month use our car loan calculator.
Bad Credit
Want to buy a car but you have credit problems or a bad credit history? Don't worry, carloans.co.uk can help you with problem loans online.
We are specialists in helping people with bad credit get the car they want at an affordable monthly cost.
This includes applicants with ccjs, arrears and defaults. If you have been turned down for a loan elsewhere this need not be a barrier to obtaining car finance with us.
Here at carloans.co.uk we don't get hung up on your past history we just want to be sure that you get the car you want at the price you can afford.
We'll give you a quick decision online with the minimum of fuss so what are you waiting for?
Phone us free or complete our simple online enquiry form for bad credit car loans to get the ball rolling and get a step nearer to owning the car of your dreams, even if your past credit history is bad.
How much does a car loan with you cost?
I have bad credit, can you help me?
How much does it cost to get a car loan quote?
Can I protect my repayments?
Are there any hidden fees?
How long will it take?
Am I limited in the car I can buy?
Is finance secured against the vehicle?
Will anyone call at my home?
How much can I borrow?
We have added a car loan calculator which can give you an idea of how much you might pay. All loans are subject to status and personal circumstances.
Yes. We have a number of arrangements with lenders who want to help people with credit problems. Visit our bad credit car loans section to find out more.
Nothing at all. All quotes are free and entirely without obligation. Click here for your free car loan quotation.
Yes. We strongly recommend you do. Accident, sickness and redundancy cover is available for a small increase in your monthly repayments to give you peace of mind. However it is your decision and we will not pressure you to take this cover if you do not wish to.
No. Fees do not usually apply to our loans.
To fill out our application form will take you a couple of minutes. From there we will assess your needs and individual circumstances and usually contact you within 24 hours.
No. We just provide you with the money, the choice of car is up to you.
No. Unlike HP (hire purchase) our loans are seperate from the vehicle. Once you have the finance in place you are free to buy any vehicle you wish. Having cash in your pocket enables you to negotiate the best deals.
It also means that should you wish to sell the vehicle in the future you can do so without having to repay your loan. And you could take extra cash with your loan to spend as you please.
No. We will not pester you or bother you further.
However, should you wish a representative to visit you in your home, for whatever reason, this can be arranged in certain circumstances by Local Loans.
They have reps in England, Scotland, Wales and Northern Ireland available to call upon you and give you helpful advice about your loan.
There is no limit to the amount you can borrow. As long as you can afford the repayments there should be no problem in getting you a loan. This means that financing "supercars" and expensive motorhomes in excess of £100,000 value is no problem.
There are many ways to finance a car from a personal loan to manufacturer direct finance. The choice is huge so have a look at all options and don't get railroaded into the first finance agreement that's put in front of you.
Remember if the dealer is arranging the finance he will more than likely receive a commission.
A personal car loan has many advantages for instance you can buy a new car or a private car saving yourself money, plus if you get bored of the car you can sell it when you want as the finance is not secured on the car.
This is the type of car loan we primarily specialize in. To get a free quotation fill out our online enquiry form.
With a Hire-Purchase agreement the car is hired until you exercise your option to purchase the rest of the car or come to the end of the agreement. With this type of agreement you don't own the car and cannot sell it without settling the finance and you must comply with the terms of your agreement.
Lease Purchase is a way to finance a car normally for businesses and companies and is a monthly rental agreement. You pay a deposit and then make rental payments until the end of the agreed term. The rental payment depends on the amount of deposit paid at the start of the agreement, the annual mileage of the car and the residual value of the car at the end of the finance term. Residual simply means what the cars value will be at the end of the agreement. At the end of the term a final payment is made which is normally equal to the residual value of the car.
Similar to Lease Purchase a Personal Lease Purchase plan enables customers to acquire their favorite cars for a stipulated period and a specified mileage by paying fixed monthly installments. The monthly installments are calculated taking into consideration the original cost of car, specified mileage, contract period and the projected cost of the car at the end of contract.
Personal Contract Purchase is particularly useful to those who receive a monthly car allowance as this allowance can fund the monthly contract purchase instalments.
Customers can return the car at the end of the contract or purchase it after making the balloon payment or sell the car and keep the profits over and above the assured minimum projected cost.
If you require further information about car loans you could look in our faqs section where many popular questions about car loans are answered.