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.
Financing can be a practical solution for people who want to buy a vehicle without paying the full price upfront. By spreading the cost over manageable monthly instalments, buyers can make vehicle ownership more accessible and affordable.
There are different ways to fund a vehicle, with terms depending on factors such as credit score, loan amount and vehicle type. Options are available for both new and used cars, giving buyers flexibility to choose an arrangement that suits their circumstances.
Several financing methods are available, each with different benefits. Here are some of the most common choices:
Hire Purchase is a straightforward 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 suitable for people who plan to keep their vehicle long-term.
Benefits of Hire Purchase:
HP 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. The buyer pays a deposit and then makes monthly payments for a set period. At the end of the agreement, they can usually make a final payment to own the vehicle, return it or trade it in, subject to the terms of the agreement.
Benefits of PCP:
PCP can be suitable for people who want flexibility and the option to change their vehicle regularly.
A personal loan allows buyers to borrow money to purchase a car outright, making them the immediate owner. Unlike HP or PCP, the loan is separate from the vehicle, so there are generally no finance-related mileage restrictions.
Benefits of Personal Loans:
A personal loan can be an option for buyers who want greater flexibility over how they purchase and own their vehicle.
Lease Purchase is similar to PCP but requires the buyer to purchase the vehicle at the end of the agreement. Monthly payments can be lower than HP, although a final balloon payment is required to transfer ownership.
Benefits of Lease Purchase:
This option can appeal to people who want manageable monthly payments while intending to own the car at the end of the agreement.
For people buying a second-hand vehicle, several financing options may be available, including HP, PCP and personal loans. These can allow buyers to spread the cost without paying the full purchase price upfront.
Because used vehicles can have lower purchase prices than new models, the amount borrowed may also be lower. The available terms and rates will depend on the lender, vehicle and applicant’s circumstances.
Buyers looking to keep their monthly costs manageable can consider options such as lower interest rates, longer terms or a larger deposit. The most suitable arrangement will depend on the vehicle being purchased and the individual’s financial circumstances.
Comparing different offers can help buyers understand the monthly payment, interest and overall cost before making a decision.
Classic car loans are specialised options for buyers interested in classic, vintage or collector vehicles. The value and age of these cars can differ significantly from standard vehicles, so the terms available may also vary.
Enthusiasts can explore different ways to spread the cost of a classic vehicle rather than paying the full amount upfront.
Applying typically involves choosing a vehicle, deciding how much you need to borrow and submitting an application. Applicants may need to provide information such as income, employment status and credit history.
The lender then assesses the application and, if approved, provides the available terms. Before accepting an agreement, it’s important to understand the monthly payments, interest rate, total amount payable and any applicable fees.
A quote provides an estimate of the monthly payment, interest rate and overall cost of borrowing. The figures can vary depending on the amount borrowed, repayment term, credit profile and vehicle.
Getting multiple quotes can help buyers compare rates and understand the different options available. Always check the full terms before agreeing to an offer.
Finding a suitable deal requires some research and an understanding of the available options. Here are some tips to consider:
Taking time to compare the overall cost, rather than just the monthly payment, can help you make a more informed decision.
Different arrangements are available for a wide range of budgets and vehicle types. Whether you’re buying a lower-priced used car or a more expensive model, the amount you borrow and the terms offered will depend on your circumstances.
Comparing the overall cost, monthly payments and agreement terms can help you choose an option that fits your budget.
Some lenders and brokers offer streamlined application processes for buyers who need a vehicle quickly. However, approval times can vary depending on the lender, the application and the information provided.
Buyers should still take time to check the terms and overall cost before accepting an agreement.
Vehicle financing can offer several benefits for buyers:
The right option will depend on your budget, circumstances and the vehicle you want to purchase. Always make sure you understand the full agreement before committing.
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