Quick Car Finance provides a convenient solution for those looking to purchase a vehicle without upfront costs. Car finance allows you to spread payments over time, making it easier and more affordable to get on the road.
The team at Quick Car Finance goes the extra mile, working with a panel of lenders to secure the best rate available for you. They’re dedicated to finding a competitive deal tailored to your unique financial situation and eligibility.
Whether you’re looking for affordable car finance or financing for a used vehicle, Quick Car Finance offers options to suit a range of needs. Additionally, you’ll be supported by a dedicated account manager, who will guide you through each step of the process for a seamless experience.
Use our car loan calculator to calculate payments over the life of your car loan. Enter your information to see how much your monthly payments could be. You can adjust length of loan, down payment and interest rate to see how those changes raise or lower your payments.
Other fees and incentives are not included in this calculation, which is an estimate only. Monthly payment estimates are for informational purpose and do not represent a financing offer. Other taxes may apply.
“Absolutely fantastic service from Jay! Literally pulled out all the stops for us to get this vehicle! Always polite, professional and friendly! Always keeping me up to date. Would highly recommend! Thanks Jay!!”
Nicola Pearce (September 2022)
“Shaun at Quick Car Finance made my first time buying experience so easy it was quite unbelievable. Great guy and from start to finish he made the process a dream 👍 highly recommend them!”
James killyleagh (October 2022)
Car finance is a financial arrangement that allows you to purchase a car by spreading the cost over monthly instalments, rather than paying the full amount upfront. A lender provides the funds, and you repay them over an agreed term, with interest. Once the payments are completed, you may own the car or have options to return or upgrade it, depending on the finance plan chosen.
Yes, many finance providers offer used car finance, allowing you to purchase second-hand cars through a finance plan. Used car finance often results in lower monthly payments than new car finance, making it a budget-friendly option. Finance companies provide various options for used auto financing, allowing you to access reliable pre-owned vehicles.
The main car finance options include Hire Purchase (HP), Personal Contract Purchase (PCP), Lease Purchase, and personal loans. Each option has unique benefits, such as HP’s path to ownership, PCP’s flexibility at the end of the term, or personal loans for immediate ownership. Understanding these options can help you choose the one that best suits your budget and preferences.
A car finance quote provides an estimate of your monthly payments, interest rate, and the overall cost of financing a vehicle. To get a car finance quote, you typically need to provide details about the type of car, finance plan, and your credit profile. Comparing quotes from different car finance companies can help you find the best car finance deal.
While having a good credit score makes it easier to qualify for low interest car loans, some lenders specialise in offering car finance to individuals with poor credit. However, interest rates may be higher, and terms less flexible. Improving your credit score or exploring options like cheap car finance deals can increase your chances of getting better rates.
Yes, classic car finance is available for those interested in purchasing vintage or collector cars. Classic car loans are tailored to the unique value of these vehicles, often requiring a larger deposit. This specialised finance option allows enthusiasts to spread the cost of owning a rare or classic car over time, with terms suited to the collector market.
Car finance is a practical solution for people who want to buy a vehicle without paying the full price upfront. By choosing car finance, buyers can spread the cost of a vehicle over manageable monthly instalments, making car ownership more accessible and affordable. There are various car finance options available, from traditional car loans to specialised options like classic car loans or low-cost car finance, each tailored to different needs, budgets, and preferences.
Understanding how car finance works and comparing the best car finance deals can help buyers secure terms that suit their financial situation. This guide explores the fundamentals of car finance, types of finance options, and key tips for finding the best car finance deals.
Car finance is a financial arrangement that enables buyers to purchase a vehicle with the help of a lender, rather than paying the full amount upfront. In a typical car finance agreement, the lender provides funds to cover the vehicle’s cost, which the buyer then repays over time through monthly instalments, usually with added interest. Car finance is a popular choice as it removes the need for a large one-time payment, making car ownership accessible to more people.
Finance options are available for both new and used cars, and terms vary based on factors like credit score, loan amount, and vehicle type. From cheap car finance deals to premium packages, buyers have a range of choices to suit their needs.
Several car finance options are available, each with distinct benefits. Here are the most common choices:
Hire Purchase is a straightforward car finance option where the buyer pays an initial deposit, followed by fixed monthly payments over an agreed term. Ownership of the car is transferred to the buyer once all payments have been made, making HP ideal for people who plan to keep the car long-term.
Benefits of Hire Purchase:
Hire Purchase is popular with buyers who want predictable monthly costs and a clear path to ownership.
Personal Contract Purchase offers flexibility, often with lower monthly payments than HP. With PCP, the buyer pays a deposit and then makes monthly payments for a set period. At the end of the term, they have three options: make a final “balloon payment” to own the car, return the vehicle, or trade it in for a new model.
Benefits of PCP:
PCP is a good choice for people who want the flexibility to upgrade or change cars every few years.
A personal loan enables buyers to borrow money to purchase a car outright, making them the immediate owner. Unlike HP or PCP, a personal loan is separate from the vehicle itself, so the buyer can sell the car at any time. Personal loans work best for buyers with good credit who can secure the best car loan rates.
Benefits of Personal Loans:
A personal loan can be a good option for used auto financing or buyers seeking a flexible vehicle finance solution without restrictions.
Lease Purchase is similar to PCP but requires the buyer to purchase the car at the end of the term. With Lease Purchase, monthly payments are lower than HP, but a final balloon payment is required to transfer ownership. This option is ideal for buyers who want lower monthly payments but plan to keep the car long-term.
Benefits of Lease Purchase:
Lease Purchase is often used by buyers who want manageable monthly payments and plan to keep the car.
For people interested in second-hand vehicles, used car finance provides a budget-friendly solution. Used car finance packages are often available through HP, PCP, or personal loans, allowing buyers to access quality pre-owned vehicles without a large upfront payment.
With used car finance, buyers can find more affordable rates for reliable cars. This option typically involves lower loan amounts and monthly payments than new car finance, making it accessible to budget-conscious buyers. By exploring used car finance deals, buyers can secure affordable rates that fit their needs.
Cheap car finance is designed for buyers seeking affordable payment terms. Options include low-interest rates, extended payment terms, or low deposits, which make it easier to afford a new or used vehicle. Cheap car loans help reduce monthly expenses, allowing buyers to find cost-effective ways to finance a car.
Cheap car finance deals are available across finance types, including HP, PCP, and Lease Purchase. By exploring affordable packages, buyers can compare rates and find options that fit their budget.
Classic car loans are specialised finance options for buyers of classic, vintage, or collector cars. Classic car financing recognises the unique value of these vehicles and offers flexible terms to accommodate higher investment levels. Classic car loans generally require a larger deposit, but flexible payment options allow buyers to own a rare or vintage car.
Classic car financing is ideal for enthusiasts who want to purchase a collector vehicle without a significant one-time payment. Buyers can access their dream cars and pay over time while enjoying classic vehicle ownership.
Applying for car finance typically involves choosing a vehicle, selecting a finance plan, and submitting an application. Applicants need to provide details like income, employment status, and credit history. The lender then reviews the application and, if approved, offers terms based on the buyer’s profile and chosen finance option.
Once approved, the buyer signs the finance agreement, makes any required deposit, and begins monthly payments. When looking to apply for car finance, it’s wise to compare offers to secure the best car finance deals and rates.
A car finance quote gives an estimate of the monthly payments, interest rate, and total cost of financing a vehicle. Car finance quotes help buyers understand the financial commitment and compare options. Quotes vary depending on loan term, credit profile, and car type.
Getting multiple car finance quotes enables buyers to compare rates, identify the best car finance deals, and find affordable terms. Most quotes provide information on monthly payments, loan duration, and interest rates, helping buyers make informed decisions.
Finding the best car finance deals requires research, planning, and understanding available options. Here are some tips to help buyers secure affordable car finance:
Using these strategies can help buyers maximise their chances of securing a finance package that meets their goals.
Car finance is available for all budgets, from cheap car loans to premium vehicle finance. Different options cater to various needs, whether low-cost car finance for a used car or a high-end financing plan for a new model.
Vehicle finance covers multiple car types, making it accessible for a wide range of buyers. Comparing options, such as cheap car finance for used cars or the best car finance deals for new vehicles, lets buyers find a balance between cost and flexibility.
Quick car finance options offer fast approval for buyers needing a car quickly. These plans often feature streamlined applications, allowing buyers to get a car loan and access a vehicle promptly. Quick car finance is beneficial for those requiring immediate transportation or a quick solution.
Quick car finance plans are available for new and used cars, with approval times varying by lender. Fast application processes make it easier for buyers to get a car without delays.
Car finance offers many benefits for buyers seeking affordable and flexible ways to purchase a car:
With various car finance options, buyers can enjoy car ownership without an upfront burden. From financing a new car to exploring used auto financing or classic car loans, car finance provides tailored options to suit every buyer’s needs and budget.
Quick Car Finance Limited is a credit broker. Rates from 6.9% APR. Representative APR 19.9%.
Quick Car Finance Limited is a credit broker. Rates from 6.9% APR. Representative APR 19.9%.
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