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Good or Poor Credit Customers Considered

  • We are a UK Vehicle Supplier and a Broker
  • Cars with No Deposits Available
  • Rates from 7.9% APR
  • UK Car Finance & Leasing Provider



For some customers buying a car from a dealer will be nearly impossible.
therefore we have filled in the gap and can now offer you multiple ways for you to buy a car with finance. Get Me Car Finance Excel in Getting You Finance for a Car, especially for people who many have struggled before.
  • We Can Find You a Car
  • We have some quality used cars to choose from
  • Deposits from 0%
  • All Circumstances Considered
  • 3 Months Warranty on all cars supplied by us
  • Representative 27.4% APR


In the United Kingdom, buying a car is a significant investment that often requires careful financial planning. Car finance has become a popular option for individuals looking to purchase a vehicle without paying the full amount upfront. This article aims to provide a comprehensive guide to getting you finance for a car in the UK, explaining its various forms and helping you make an informed decision.


  1. Understanding Car Finance

Car finance refers to the various financial products available to help individuals acquire a car. Instead of paying the full price in cash, car finance allows you to spread the cost over a set period, making it more affordable for many people. There are different types of car finance options available, each with its own advantages and considerations.

Hire Purchase (HP)

Hire Purchase is one of the most common forms of car finance in the UK. With HP, you pay a deposit upfront (usually 10-20% of the car's value) and then make regular monthly payments over an agreed-upon term (typically between 1-5 years). Once all payments, including interest, are completed, you own the car outright.

  1. Personal Contract Purchase (PCP)

Personal Contract Purchase is another popular car finance option. PCP allows you to make lower monthly payments compared to HP, as you're only paying for the depreciation of the car during the term. At the end of the contract, you have three choices: return the car, make a final "balloon" payment to own the car outright, or use any equity to put towards a new car.

  1. Personal Loan

Obtaining a personal loan from a bank or other financial institution is another way to finance a car purchase. With a personal loan, you borrow a specific amount to buy the car and repay it over an agreed-upon term. The interest rates and terms will vary depending on your credit history and the lender.

  1. Leasing

Car leasing is a popular option for individuals who prefer not to own a car but want to use one for a fixed period. With a lease, you pay a monthly fee to use the car for a set duration (often 2-4 years) and return it at the end of the contract. Maintenance and servicing costs may be included, but you won't own the car at any point during the lease.


Considerations and Eligibility

Before choosing a car finance option, it's important to consider your personal circumstances, including your budget, driving habits, and future plans. Take into account factors such as monthly payments, interest rates, deposit requirements, and any potential mileage limitations or wear-and-tear charges.

To be eligible for car finance in the UK, you typically need to be at least 18 years old, passed your driving test, hold a valid UK driving license, and have a steady income. Lenders will also assess your credit history to determine your creditworthiness and the interest rate you'll be offered.


Who Can Get Finance

Anybody who is resident in the UK , so if you are a personal trainer from burnley or a dating website creator from blackburn we can get you a car with finance.


Not Passed Your Driving Test?

If you have not passed your driving test and you are eager to get a car, then why not consider and intensive driving course with Fast Pass Driving Courses, they can get you into a car and get you a fast driving test very easily.


Car finance offers an accessible and flexible way for individuals in the UK to purchase a car. Whether you opt for Hire Purchase, Personal Contract Purchase, a personal loan, or leasing, understanding the different options and considering your own needs and circumstances is crucial. Remember to compare rates and terms from different lenders, and seek professional advice if needed. By making an informed decision, you can secure a car finance arrangement that suits your budget and helps you drive away in the vehicle of your choice.






Car Finance Calculator

Best Available Rate 6.9% APR
Total Repayment
Total Cost of Credit
Monthly Repayment  

 Representative 27.4% APR  subject to status .

Representative Example

Cash Price



Loan Term

48 Months
Total Charge For Credit

Total Amount Repayable

48 Monthly Repayments

  Arrangement Fee



GMCF is authorised and regulated by the financial conduct authority. We aim to provide affordable car financing that fits your needs available in the UK.

Do you want the freedom to get the best  used car finance from the dealer of your choice (must be fca authorised example Car Stock UK)  You can do that with us. Do you want a variety of options for how to finance your car? We can do that for you. Do you want the hassle taken out of finding and financing a car?  so don't worry if you have bad credit car finance with our resources all applications will be considered. We will give you help choosing the right car finance deals. There are many ways you can get car finance and even with a poor credit record you can use people like a guarantor, who guarantee car finance repayment on your behalf.

Whether it's selecting a car from our own stock, using the car sourcing service we provide, or simply reaping the rewards of our commitment to minimizing your paperwork and wait time, we're here to make the process as painless as possible for you. After 10 years of business, we maintain a high percentage of satisfied customers. Here at Get Me Car Finance, it really is all about you and we hope to be saying a big yes to your car finance.  

Some more news for 2023, we are looking to introduce a new new product "bad credit car leasing" which involves some new payment box (black box) technology as used by other lenders. so stay tuned for this latest product we are hoping to release this early in the year. If you need any advice take a look at our new car finance help guides , If you have questions about car finance and corona virus please read our latest FAQ

Do we cover your area, checkout our car finance location section  to see what areas we can cover in the UK


Are other car finance companies putting you first? . They may lure you in with promises they can't keep and then some decline your application. We don't believe in doing that. At Get Me Car Finance, we put you first. We don't pretend to work miracles, but no matter who you are, there's a good chance we offer something to suit your needs. Take a glance at what we can offer you:

  • Deposits from 0%
  • All Circumstances Considered
  • 6 Months Warranty on all cars supplied by us
  • Walk in to ANY UK Dealer
  • New or Used Car Finance
  • Representative 27.4% APR
  • IVA Car Finance Available


"Responsible Lending" Pros and Cons of Borrowing Money

Financing a car is a big responsibility. In order for us to help you, you have to help yourself. We ask you to please look into the costs, financial terms, and options you have before making the decision to finance. Ask yourself if you know the following:

  • What will I be paying back? Remember to include interest and fees.
  • What is the Finance APR? The higher this is, the more you'll pay.
  • How long will I be repaying for? The longer the loan, the more you'll pay.
  • What is my credit rating? The higher it is, the lower the interest rate.
Ask yourself, given all of the above, can you afford the car you are looking at. If so, great! Apply for your finance now. If not, perhaps it time to reevaluate the car you are looking at.  We also have a whole heap of car finance related articles you can look through which can help you out if you have any questions.

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