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Rates from 9.9% APR. Representative APR 21.9%. Car Finance Max is a credit broker, not a lender.

How car finance works?

  • Apply & get approved

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    Think on what car you want to buy and how much you want to borrow. Once applied, our panel of lenders will get back to you with the best deal.

    Apply now
  • Pick a car of your dream

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    Once approved, pick a new, used or part exchange car from one of the reputable dealers. We will run background checks on the car for you.

  • Drive away happy

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    Our goal is to to help you enjoy your new car.

Types of car finance

Why Car Finance Max

  • 14+ lenders on panel
  • No deposit car finance
  • Flexible monthly repayments
  • Bad credit finance specialists
  • Instant decision

Hire Purchase (HP) finance

  • Fixed low interest rates
  • No deposit car finance deals
  • Part exchange deals with affordable options

Personal Contract Purchase (PCP) finance

  • Low interest rates
  • Low monthly repayments
  • Trade in or replace for a new PCP deal
  • No annual mileage restrictions

Bad credit car finance

  • Bad credit considered
  • No deposit deals for customers with poor credit

Will I get accepted for car finance?

At Car Finance Max we have access to top car finance companies, meaning that you have good chances of being accepted for a car loan at the best rate.

Who can apply

  • Age between 18 and 75 years
  • UK resident for at 3 years
  • Monthly income of £1,000+

Get car finance with confidence

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Get your car finance

Compare car finance deals with no impact on your credit score.

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Buy a car from any dealer

Once approved, collect or get your vehicle delivered to you.

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Car Finance Max quality assured

We’ll do a thorough car check, full-service history and dealer check. Buy with confidence.

SAF

SAF approved car finance specialists

Welcome to Car Finance Max, your friendly car finance broker in the UK! We're here to help you secure car finance with ease. Our SAF approved team is committed to empowering individuals with tailored financial solutions.

We work with trusted partners

We compare car finance deals for you
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FAQ

What is the cheapest way to finance a car?

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.

Will applying for finance affect my credit score?

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.

Do you have a car finance calculator?
Who is eligible for a car loan?

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.

How quickly can I get a car loan?

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.

How much does car finance cost?

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.

What information is needed for a financing decision?

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.

Can I buy my car from any dealer?

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.

What is APR?

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.

Rates from 9.9% APR: the exact rate you will be offered will be based on your circumstances, subject to status.

Representative example: borrowing £7,000 over 5 years with a representative APR of 21.9%, the annual interest rate of 21.9% (Fixed) and a deposit of £0, the amount payable would be £185.33 per month, with a total cost of credit of £4,119.81 and a total amount payable of £11,119.81. Car Finance Max is a credit broker not a lender.

We look to find the best rate from our panel of lenders and will offer you the best deal that you're eligible for. We earn a commission for providing our services, but this does not influence the interest rate you're offered in any way.