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We've been trusted by thousands of customers to arrange their car finance needs since 2013.

100% Recommend

The Independent review organisation Reviews.co.uk report that 100% of reviewers recommend Lending Expert

Lending Experts

We’re car finance and loan experts. This means we know our stuff when it comes to loans! We know where the best rates are and have access to exclusive deals just for Lending Expert customers.

Huge Market Comparison

We’re not tied to one lender which means we can search the wider market to find you the cheapest car loans from across the UK.

Authorised & Regulated

Lending Expert is an FCA regulated credit broker which means you can be assured you are dealing with a legitimate and reputable finance company.

Flexible Lending

If you have bad credit or have previously been refused a car loan we can consider your application. Whatever your circumstances please get in touch and we'll do our best to help.

With Lending Expert we’ll introduce you to a car finance broker who can help fund the car of your dream even if you have no past credit history or a bad credit profile.

Get Car Finance Rates

You can apply for car finance online in less than 5 minutes and receive an instant decision on the screen. If you wish to proceed, money can be transferred to the dealership of your choice in 24 to 48 hours and you can be behind the wheel of your next dream car in no-time.

We take all budgets, incomes and credit histories into consideration, with plenty of options available if you are looking for car finance for bad credit. Being partnered with CarFinance247 will give you access to the whole market of car loan providers in the UK – so you can get the best deals on personal contract purchase (PCP), hire purchase (HP), no deposit options, car leasing, personal loans and more!

Simply click on ‘Check My Eligibility’ to get started today!

How Does Car Finance Work?

Car finance allows you to borrow money towards the purchase of a car of your choice. It is rare that people buy a car outright and instead, there are lots of different finance options available. 

You are usually required to give a deposit of at least 10% of the car’s value (sometimes higher or lower) and pay monthly for around 3 to 4 years. There are different options if you want to pay more upfront, make smaller monthly payments, own the car outright at the end or give it back and purchase a new one.

The different types of car finance include:

Personal Contract Purchase (PCP) – Most Common

  • Make a deposit (around 10%)
  • Pay monthly
  • Choose between a balloon payment at the end to own the car outright, or give the car back at the end

Hire Purchase (HP)

  • Make a deposit (around 10%)
  • Pay a higher monthly rate
  • Own the car at the end of the loan term

Personal Contract Hire (PCH) (also known as car leasing)

  • Pay around three months upfront
  • Pay monthly
  • Give back the car at the end of the agreement

Other options for car finance, including paying for a new car with a credit card, using a personal loan or a peer-to-peer loan.

When you apply with CarFinance247, you will be given different finance options and choices – and you can simply select the one that best suits your needs.

Once approved for car finance, the money is transferred to the car dealership of your choice and you can be on the road in no-time.

What Kind of Vehicles Can I Get Car Finance For?

You can apply for car finance for any and every type of vehicle including cars, bikes, motorbikes, campervans, vans and caravans. This includes new and used cars too.

We proudly facilitate car finance loans for all makes and models including Audi, BMW, Citroen, Fiat, Ford, Honda, Mercedes, Nissan, Range Rover, Toyota, Vauxhall, Volkswagen, Volvo and more!

How Long Does The Process Take To Receive Funds and Purchase a New Car?

The process of applying, being approved and transferring the funds to the car dealership is usually around 24 to 48 hours.

What Information Will I Need To Provide to Apply for Car Finance?

  • Your budget
  • Your credit status
  • Type of vehicle
  • Type of driver’s license
  • Employment details
  • Monthly income
  • Address
  • Contact details

Can I Get Car Finance with No Deposit?

Yes, there are options available for car finance with zero deposit. This may involve trading in your existing vehicle as a part-exchange or committing to paying a highly monthly repayment. 

You will usually need to have a stable income and credit score to be eligible for a no deposit car finance option – but we are on-hand to assist you every step of the way.

Do You Offer Part Exchange as Part of a Deposit?

Yes, we do offer part exchange if you want to use this to bring down the initial deposit of your new car purchase. The car you are handing in should be in fairly good condition to trade this in successfully. 

Can I Get Car Finance with Bad Credit?

Yes, there are many different options for car finance for poor credit histories – and our panel will be able to provide some indicative terms even if you have a history of debt, CCJs or IVAs.

If you have a bad credit history, this may be reflected in the amount you are allowed to borrow and the interest rate that you are charged.

Please note that if you cannot keep up with repayments, your vehicle may be repossessed.

Why Use Lending Expert for Car Finance?

Lending Expert is proud to offer an impartial, affordable and effective way to get the right car finance for you.

We are partnered with the very trusted CarFinance247 who have already helped thousands of motorists across the UK to save money and get approved for car finance on excellent rates.

You also have peace of mind that when you apply with Lending Expert, it will not impact your credit score and there are always zero fees for applying.

How Do I Apply for Car Finance Online?

Simply click on ‘Check My Eligibility’ to apply online today and get a free car finance quote. 

We require a few simple details including the type of vehicle you wish to purchase, the amount that you want to borrow and the deposit that you wish to make.

Our partner will be able to process your requirements and offer a number of competitive quotes immediately. You can select the car finance deal of your choice and subject to further checks, you can be approved on the same day and funds can be transferred to your chosen dealership within 24 to 48 hours.


What is a Personal Contract Purchase (PCP) agreement?

Personal Contract Purchase (PCP) is a popular car financing option that allows you to pay monthly instalments that cover the van depreciation during the term of the loan. At the end of the loan agreement, you then have three options: you can return the car, pay a balloon payment to keep the car, or use the caran as a part exchange (deposit) on finance for a new car or vehicle of your choice.

What is HP - Car Hire Purchase Agreement?

Hire Purchase (HP) is a type of finance agreement where you can borrow a set amount of money over an agreed period at a fixed interest rate. The amount borrowed and the total interest is divided across the entire agreement, meaning you pay the same amount each month. You can also pay off the total early.

Will Applying for Car Finance Affect My Credit Score?

No, making an application for car finance through Lending Expert will not have any negative impact on your credit score.

Do I Need to Pay a Deposit To Buy a New Car?

Yes, you will usually need to make a deposit of around 10% to 20% of the car value, but this could be higher or lower depending on your circumstances and whether you are part-exchanging a vehicle. We are also proud to offer no deposit car finance options if this is something you are looking for.

Can I Purchase a Car with a Credit Card?

Yes, there are many ways to purchase a car with a credit card - and this can be good to earn points or air miles. Not all dealers may accept this method of payment, so be sure to speak to your dealer beforehand.

Can I Get a Car Loan Without a Credit Check?

No. All the lenders on our panel will require a credit check to ensure your creditworthiness.

Is Car Finance Available for Poor Credit Histories?

A history of adverse credit will mean you'll likely pay a higher rate of interest on your car loan. However, there are many lenders who will be willing to lend to those with a low credit score or past credit issues.

Does Being Self-Employed Affect My Chances of Getting Approved for Car Finance?

If you have been self employed for 6 months or more and can show proof of income, there should not be any problems in getting approved for a car loan. You may need to show proof of income via your business accounts or SA302 documents from HMRC that highlight your income from the past financial year.

Can I Buy a Car From Any Dealer?

If your car finance application is approved, you are free to choose a vehicle from any reputable UK dealership. This means you have plenty of choice and gives you the freedom to find the perfect car that suits your needs.

We can make your car buying dreams come true.

Simply check your eligibility and use our car finance calculator to find out how much you can borrow and how much it will cost right now.

Representative example: borrowing £6,500 over 5 years with a representative APR of 24.9%, an annual interest rate of 24.9% (Fixed) and a deposit of £0.00, the amount payable would be £166.07 per month, with a total cost of credit of £4,369.52 and a total amount payable of £10,869.52.

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