Car finance
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The most cost-effective way to finance a car depends on various factors, including the type of loan, loan duration, and annual percentage rate (APR). Remember that the loan with the lowest monthly payment might not be the cheapest overall, as you could end up paying more in interest over time.

Personal Contract Purchase (PCP) car finance could be the least expensive option because, unlike Hire Purchase (HP) and personal loans, you don't need to borrow the full amount of the vehicle's value. Instead, you borrow the difference between the current price and the projected value at the end of the agreement, known as the Guaranteed Minimum Future Value (GMFV). However, keep in mind that you won't own the car at the end of the loan unless you make the balloon payment.

When you apply with Car Finance Max, a soft credit check will be performed to see if any of the lenders on our panel can approve you. This check might appear on your credit report, but it won't impact your score. A hard credit check, which can affect your credit score, will only be conducted if you decide to move forward with a finance option.When you apply with Car Finance Max, a soft credit check will be performed to see if any of the lenders on our panel can approve you. This check might appear on your credit report, but it won't impact your score. A hard credit check, which can affect your credit score, will only be conducted if you decide to move forward with a finance option.

Yes! You can use the car finance calculator to get an estimate of your monthly repayments based on the amount you’d like to borrow, the loan term length, and your credit score.

You can apply for a car loan with Car Finance Max if you’re over 18 years old and have a minimum of three years’ address history in the UK.

With us, you can receive a decision within minutes. Simply submit an application, make yourself a cup of tea, and you’ll likely have an answer by the time you’re done. If you're approved in principle, your dedicated account manager will call to confirm your details and discuss the next steps.

The cost of car finance is usually the amount of money you borrow plus the interest and any other charges that you’ll pay on the loan over the repayment period.

If you know how much you want to borrow or have already chosen a car, it’s time to apply. Start with a quote by filling out our online application form. You'll need to provide personal details, your current employment status, monthly income, and information about the vehicle you’re interested in. This allows us to begin finding an approval in principle from our panel of lenders.

Yes, you can select a car from any reputable UK dealership!

To simplify your search, we offer over 100,000 cars for you to browse through on our car search. Once you find a car you like, simply share the details with your account manager, and they'll handle the rest.

You aren't limited to our search results, and if you need assistance finding the perfect car, your account manager is ready to help. Just let them know what you're looking for.

APR, or Annual Percentage Rate, represents the total annual cost of borrowing money, including interest, administrative fees, and any arrangement charges. APRs are customized to your individual circumstances, with the rate offered depending on factors such as your credit score.