Will checking my eligibility affect my credit score?

No. We use a soft search to give you an indicative decision. A soft search is only visible to you and has no impact on your credit score.

Can I get car finance with a lower credit score?

Possibly. We work with a range of lenders covering different credit profiles. Checking your eligibility is the calmest way to see what's available to you — and it won't affect your score.

Not necessarily. Many finance options are available with no deposit, though putting money down can reduce your monthly payments and total interest.

How quickly will I hear back?

Most people get an indicative decision in just a few minutes. A real person from our team is here to help whenever you have questions.

How does WeCarFinance make money?

We're a credit broker, not a lender. When we introduce you to a lender we typically receive a commission from them — either a fixed fee or a fixed percentage of the amount you borrow. This does not affect the rate you're offered or the amount you'll pay back.

All credit scores considered

Car finance decision in under 1 minute.

Clear options, fair terms, real human support.

Finance any car

FCA regulated

No deposit

Excellent

Trustpilot· 2,847 reviews

Estimated from

£276/month

Representative 6.9% APR

Illustrative

Soft search

No credit-score impact

Trusted by thousands
of happy drivers

We're proud to help people across the UK get the right car finance, with confidence.

Excellent

4.9 / 5

Trustpilot·Based on 2,847 reviews

Google4.9

(1,230)

Reviews from verified Google customers.

Illustrative — verified figures publish once our Trustpilot and Google profiles are live.

The WeCarFinance way

Three steps. Every reason to trust us, along the way.

No jargon, no pressure — just a simple route to the right car finance, with real people beside you.

Check

Check your eligibility

A quick soft search to see your options in 60 seconds — no impact on your credit score.

Soft search

Won't affect your credit score

Soft search eligibilityNo impact on your credit score.
A quote in 60 secondsSee your options in under a minute.

Shape

Personalise your finance

Adjust your budget, deposit and term until the monthly payment genuinely works for you.

Monthly payment

£276per month

Illustrative example only.

Clear & fair financeTransparent rates and no hidden fees.
Secure start to finishYour data is protected with bank-level encryption.

Drive

Move forward with confidence

Speak to our friendly UK team, who'll guide you to the right option with total clarity.

You're almost there

One of our specialists will be in touch shortly.

Real people, real supportFriendly UK-based advisers, every step.
Drive the car you loveEveryday runarounds to something special.

Finance Lab — six calculators, one console.

Tap a module. No email, no credit search.

1/6

Payment builder

· HP, PCP or lease — build the monthly · ~60s

Open the full calculator

Credit profile

Car price

£18,000

£5k£60k

Deposit

£2,000

£0£10k

Term

48 months

12 mo60 mo

Estimated monthly

£413per month

APR (Fair)

10.9%

Total repayable

£21,812

Deposit · £2,000Principal · £16,000Interest · £3,812

Illustrative only — not a quote. Representative APR 10.9% based on fair credit.

Soft search only No credit score impact ~60 secondsAll tools

Choose your finance

Build a payment that suits you.

Four ways to fund your next car. Pick the one that fits your life — we'll match you to lenders that offer it.

Own the car outright

Hire Purchase

Fixed monthly payments. Car is yours at the end. Simple and predictable.

Finance guideLearn more

Lower monthlies, more flex

PCP

Pay less each month, then keep, swap or hand back. Great if you like upgrading.

Finance guideLearn more

Drive without ownership

Personal Lease

All-in monthly cost for a new car. Hand it back at the end — no depreciation worry.

Finance guideLearn more

Specialist lenders

Bad credit? No problem

CCJs, defaults or thin credit file — we work with lenders who understand real life.

Finance guideLearn more

Browse by brand

Finance the brands you actually want.

Featured examples below — we arrange finance on every UK make and model, new or used, from any dealer or private seller.

Not your brand? We finance every UK make.

Featured examples · illustrative monthly figures

See all makes →

Mercedes-Benz A-Class

£299/mo

£389/mo

£189/mo

£329/mo

£279/mo

£249/mo

Every UK make, financed

We arrange finance on every make and model in the UK — these are just a few with dedicated guides.

BMW

Kia

Also financed Citroën

…plus every other UK make and model — just ask.

“Slick and calm. Felt like talking to a friend who happens to know finance inside out.”

Emaan A., 29

Tesla Model 3 · London

Verified customer

Name changed for privacy. Portrait and quote representative of a real customer experience.

Built for everyone

Everybody deserves a fair shot at the keys.

However you earn, pray or score — a real person reads your case, every time.

Sharia-friendly

Muslim car buyers

Riba-free routes explained honestly — including when cash is the better answer.

Forces-friendly lenders

Armed forces

BFPO addresses, postings and deployments — lenders who don't blink at any of it.

Self-employed friendly

Taxi & PHV drivers

Platform income and licensing understood, hire-and-reward sorted properly.

Thin credit file OK

New to the UK

No UK credit history yet? That's a starting point, not a rejection.

…and everyone we haven't listed yet. Tell us your situation — we'll give you the honest answer.

Explore all communities

Advisers online now· replies in ~2 mins

We're here for the tricky ones

A "no" elsewhere isn't a "no" with us.

Talk to a real person — no scripts, no judgement. Dmitrijs and the recovery desk arrange finance for hundreds of customers every week who were turned down by their bank, dealership or an online lender. Tell us what happened; we'll tell you honestly what's possible.

Or read the decline recovery hub

Where were you declined?