Get Quote2024-05-15T12:33:12+01:00

Get your car finance first

Any vehicle | Any dealership | No deposit | All credit scores considered

Get a quote

No obligation, no impact on your credit score

Rates from 7.9% APR. Representative APR 26.9%

Representative Example: Borrowing £5,700 over 60 months with a representative APR of 26.9%, the amount payable would be £164.18 a month, with a total cost of credit of £4,150.80 and a total amount payable of £9,850.80.

ratesetter finance logo
paragon finance logo
advantage finance logo

Why do I need car finance

In a nutshell, because it really is one of the best ways to get your hands on that new or used car you’ve had your eye on. With car finance you can:

1. Have the money in place first – leaving you free to concentrate on finding a car you really want, or we can help, your choice.

2. Choose a better car – maybe you can afford something a little better than you thought with finance in place.

3. Have flexibility – apply for the car finance that best suits your needs, we’ll help you choose.

Want a rough guide to how much you could be paying each month? Use our car finance calculator to find out.

How do I apply for a car finance quote through The Vehicle Financer?

To give you a quote, we need to know some basic stuff about you and your situation. This includes how long you’ve lived at your current address, what your job is, that kind of thing. We’ll also do a soft search on your credit history, this lets us look at your credit history, but not affect it. We then match you to the best car finance deal for you. It’s that simple.

Will you help me find a car?

Yes, we’d be happy to. We’re all mad about cars at The Vehicle Financer, so if you want us to spend a little time looking at our favourite things, so be it. Over the years, we’ve honed our questioning skills so that we can really understand what you need from your car. We take that information to find a car that’s a perfect fit. But, you don’t have to use us, if you’ve already found a car you want, great, let’s get on with sorting your finance.

How much will I pay each month for my car while it’s on finance?

It’s a good to have an idea of what car finance might cost you each month, just to make sure it’s within the budget, before you decide to apply. That’s what our car finance calculator is for. You’ll need to know your credit score, find out by using a website like, Check My File. Once you have this, just tell the calculator how much you want to borrow, and for how long, and it’ll tell you what you could be paying each month.

Let’s get started

Answer the questions, it’s the usual stuff – name, time at current address that kind of thing – and we’ll do the rest.

Get a quote

No obligation, no impact on your credit score

Why The Vehicle Financer

finance experts photo

We’re finance experts

We work with a wide range of lenders, who we know and trust. This helps us get the very best vehicle finance deal for you.

choose a vehicle photo

We’re vehicle experts

We’ve been in the vehicle finance business for over 20 years – we know our stuff. Find your own car, or tap our knowledge, it’s up to you.

customer service photo

We’re customer service experts

We want you to be happy and we’ll do everything we can to make that happen. If you need some help, just ask.

Our experts know the answer

Can I apply for car finance if I have bad credit?2020-06-23T16:43:05+01:00

Yes, you can apply for car finance even if you have bad credit. At The Vehicle Financer, we’re people just like you, so we know the ups and downs of life and understand that sometimes your credit score can be affected. We don’t think you should miss out when this happens, so we work with some lenders who specialise offering finance to people with low credit scores. And, the great news is, if you’re offered finance, and you keep to the monthly payments, your credit score will improve.

Do I need a deposit to apply for car finance?2020-06-23T16:43:02+01:00

No, you don’t need a deposit, which means you can apply without having to wait to save up. If you do have a deposit, great! Let us know and we’ll take this into account when we approach lenders. Part exchange is something we can do as well, so if you have a car you want to use as part exchange, talk to us about it.

Can I buy a car from anywhere?2020-06-23T16:42:54+01:00

Yes, you can. If you spot a vehicle you think you might like, give us a call and we’ll talk you through what happens next. If you really don’t have time to look, or you just don’t fancy searching though hundreds of cars, we’ll do it, because we love it. Just let us know what you’re after and we’ll get right on it.

Can you offer me guaranteed car finance?2020-06-23T16:42:47+01:00

No, no one can, and that’s the truth. This is because lenders need to carry out a number of checks before they decide whether to offer car finance to you. By law, they need to check you are who you say you are, you earn what you say you do and you can afford to pay the monthly payments. They can’t do this without asking for information from you, and once they have that information, it may be that they have to say no. So, if anyone says they can offer you guaranteed car finance before asking you anything, they are not only being dishonest, they are actually breaking the law.

What information do I need to apply for car finance?2020-06-23T16:41:13+01:00

There are a few things we need to know if you want to apply for car finance. If you get the following ready before you start your application, it’ll be much easier. We’ll need:

– your address for the last three years
– an idea of your credit score
– details of what you do for a living and how much your earn

This might seem a like a lot of personal information, but it’s the minimum we’ll need from you to start your application. Don’t worry though, only us and the lenders we think best suit your circumstances see this, no one else. And we would never sell or pass your details on to other companies.

  • Thousands Of Caravans To Choose From

  • No Deposit Options
  • All Credit Scores Welcome

  • We Can Find You A Caravan

  • No Broker Fee’s. Completely Free!

  • Rates From 10.9% APR

Get a quote

No obligation, no impact on your credit score

Representative APR 26.9%. We act as a credit broker not a lender. Representative Example: Borrowing £5,700 over 60 months with a representative APR of 26.9%, the amount payable would be £164.18 a month, with a total cost of credit of £4,150.80 and a total amount payable of £9,850.80.

Get a quote

No obligation, no impact on your credit score

  • Thousands Of Caravans To Choose From

  • No Deposit Options
  • All Credit Scores Welcome

  • We Can Find You A Caravan

  • No Broker Fee’s. Completely Free!

  • Rates From 10.9% APR

Representative APR 26.9%. We act as a credit broker not a lender. Representative Example: Borrowing £5,700 over 60 months with a representative APR of 26.9%, the amount payable would be £164.18 a month, with a total cost of credit of £4,150.80 and a total amount payable of £9,850.80.

Bad Credit, missed payments, defaults or IVAs

Just because you have been refused in the past, it doesn’t mean we cannot help. We have helped thousands and thousands of people obtain finance for a vehicle. This varies from people with thin credit profiles, people who have missed payments through difficult times and people who currently have IVAs and CCJs. Our lenders understand that people may of had issues in the past, and we will try every option possible to get you approved.

So how does this all work?

1. Apply

Using our quick 60 second enquiry form on either. your mobile, tablet or laptop. Fill in your details to see what you could be approved for. We will give you a credit limit based on what the lenders approval is. We will ALWAYS offer you the best rate of interest that we have available.

Get a quote

No obligation, no impact on your credit score

2. Choose

Once you have your credit limit and your repayments its time to choose a caravan. Our team of specialists can send you a selection of caravans over based on your needs. We can send as many as you like until you are 100% happy. Or if you wish to look yourself, thats also fine.

3. Sign

All thats left once you are happy and we have answered any questions is for your to sign your paperwork. This is all done electronically online so no need to worry about a printer or scanner.

4. Drive

Once you have signed, we can arrange your collection date / delivery with the dealership on your behalf and off you go.

Get a quote

No obligation, no impact on your credit score

It really is that simple!

Extensive panel of lenders

Over 120 finance and loan products compared for you!

As a finance broker we work with a large panel of the most trusted finance and loan lenders around the UK. This means we can provide our our customers with more options to suit their budget and needs. We look to find the best rates from our panel of lenders and will offer you the best deal that you’re eligible for.

We don’t charge any fees for our service, its completely free. We offer rates from 7.9% APR all the way through to 49.9% APR for people who are looking to rebuild their credit profile.

Whether you are in Cornwall, Birmingham or Aberdeen, as an online broker, we can help you. Join thousands of customer’s who have taken finance with us.

ratesetter finance logo
paragon finance logo
advantage finance logo

Get a quote

No obligation, no impact on your credit score

Our customers ask us all the time

How much does The Vehicle Financer charge?2020-06-18T12:19:22+01:00

Nothing. We don’t ask you to pay anything for the work we do for you, the lenders pay us instead. If we’re able to find suitable finance for you, the lender gives us a fee for arranging your finance through them. Sometimes the dealer or the lender might ask for an administration fee, if they do, we’ll let you know.

How old do I need to be to apply for vehicle finance?2020-06-18T12:18:51+01:00

You need to be at least 18 years old to apply for vehicle finance. This may seem a little unfair seeing as you can drive a car at 17, but it’s to do with finance regulations. You have to be 18 to sign a credit agreement, which is what vehicle finance is. It’s a legally binding contract that only an adult can enter into. Between the ages of 18 and probably about 21 it may be hard for you to get finance simply because you’ll have no credit history for the lenders to look at. Again, seems a little unfair, but looking at your credit history is one of the ways a lender decides who to lend to and how much to lend.

What documents do I need to apply for vehicle finance?2023-10-17T15:18:58+01:00

We’ll need to see:

– a copy of your photo ID – this can be either your driving license or passport.

– proof of income – occasionally the lender may ask you to prove your income for affordability purposes.

Can I get vehicle finance if I have bad credit?2021-01-19T14:31:59+00:00

Yes, you can. We know that times can be tough and sometimes things go a little wonky with finances, it can happen to us all. We don’t think this should stop you getting finance, so we’ve made sure we have a range of lenders on our panel that specialise in lending to people with a less-than-perfect credit history. We won’t lie, you may not get the best rates of interest, but you’ll be able to get the new car, van, motorbike, motorhome, caravan or horsebox you were after and improve your credit score! Yes, it’s true, getting finance will improve your credit score, as long as you keep to the repayments you agreed to, of course.

How long does the process take?2023-10-17T16:49:38+01:00

Your application takes around 60 seconds and we can usually get an instant decision within another couple of minutes. If you have a vehicle in mind, all we need is the details and we can give you an instant quote. After that, its down to yourself if you are happy with the repayments to sign the documents and providing the dealership has the vehicle prepped, you could be driving away the same day! However, we do like to say usually 24 hours if the vehicle is ready. If not, its just how fast the dealership can get it ready.

Can I repay the loan early without penalty?2023-10-17T17:49:42+01:00

Yes you can repay the loan early without any extra penalties or charges in most cases on all of the loans we provide. You will be expected to pay the remaining capital but not the remaining interest. If you have overpaid you could be even entitled to a rebate of interest.

The lenders do also allow you to make over payments as well as settling the finance early.

If you do decide you want to settle the agreement, you will need to call and request a settlement figure.

How can I see what vehicles you have for sale?2023-10-17T21:44:51+01:00

We don’t have physical stock. You can buy a vehicle from ANY UK dealership.

However; we can source you a vehicle to suit your needs and budget. We advertise vehicles with a monthly cost of examples of what we have financed and what we can finance for you. We can send you multiple vehicles to look at, videos & photos. We can arrange test drives, collection or delivery for you as well. ALL FOR FREE!

Are there any restrictions on the vehicle I can buy?2023-10-17T22:14:34+01:00

Yes, there probably will be some restrictions on the vehicle you can buy, usually these relate to the age of the vehicle, how many miles it’s done and how many miles you can drive each year as well. These are standard across all lenders.

There may also be other conditions that depend on your personal circumstances, but each lender is different, so we can’t say for sure what they might be until you make an application. What we can say is, if you have your eye on something that doesn’t meet this criteria, give us a call and talk to us about it.

Go to Top