100% Recommend


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.

Approved & 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.


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.

Can I get loan to buy a car without a credit check?

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

I have bad credit will this cause any issues with getting finance?

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.

I'm self employed will this effect my chances of getting a car loan?

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.

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.

Related Links

Car Finance

Get a great car finance deal from our panel of lenders and brokers. Simply apply online to get started.

Bad Credit Car Finance

If you have bad credit and need car finance we have you covered. We can check your eligability & apply online.

Motorbike Finance

Apply to finance your motorbike with our finance brokers and direct lenders here on Lending Expert.

Van Finance

Get the van finance you need with the help of our experts on Lending Expert.

Motorhome Finance

Apply for loans and finance for motorhomes with our finance experts on Lending Expert.