We've been trusted by thousands of customers to arrange their car finance needs since 2013.
The Independent review organisation Reviews.co.uk report that 100% of reviewers recommend Lending Expert
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.
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.
Lending Expert is an FCA regulated credit broker which means you can be assured you are dealing with a legitimate and reputable finance company.
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.
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.
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.
No. All the lenders on our panel will require a credit check to ensure your creditworthiness.
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.
If you can provide adequate proof of income and have been self employed for 6 months or more then there should not be any problems. 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.
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.
Get a great car finance deal from our panel of lenders and brokers.
If you have bad credit and need a guarantor we can help.
Use our handy car finance and loan calculator.
If you have bad credit and need car finance we have you covered.
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