STATUS: We are fully operational

Get Car Finance now

Buy from ANY reputable dealer!

Car Finance Calculator

Car Finance 2 U is a credit broker, not a lender. Our rates start from 8.9% APR. The rate you are offered will depend on your individual circumstances.

Representative Example: Borrowing £5,000 over 48 months with a representative APR of 25.9%, an annual interest rate of 25.9% (fixed) and a deposit of £0.00, the amount payable would be £168.31 a month, with a total cost of credit of £3,078.88 and a total amount payable of £8,078.88

Fast Application Form

Why you should join the thousands who bought their car with Car Finance 2u ...

Great Rates - Starting from 8.9% APR

We obtain some of the best car finance rates available, from some of the countries leading motor finance lenders, starting from as low as 8.9% APR. We also cater for all kinds of circumstances, so whatever your credit rating and history, apply for a car loan with Car Finance 2u now! The rate you will be offered will depend on your individual circumstances, representative 19.9% APR.

Huge Range of Lenders

We compare loans from our range of top lenders to get you the best deal. We have deals which are unavailable on the open market, so even if you've been refused elsewhere, don't worry, apply now!

Dedicated Relationship Manager

You'll have a dedicated relationship manager who will help you through every step of the process. We're a friendly team who want to make things as easy as possible for you. Livechat with us now, by clicking the icon in the bottom right hand corner of your screen.

Buy From Any Reputable Dealership

We don't tie your car choice down to a limited number of dealerships, our car finance allows you to choose from ANY reputable car dealer.

Private Purchase

We can even finance a car which is for sale privately, so you can get the exact car you want. Don't miss out on your dream car, apply today!

More Types of Finance

We can also find you van finance, motorbike finance, classic car finance and can even finance PCP balloon deals. Don't delay, apply today!

Over £


in approved loans

We work with the top lenders to get you the best deal.


Car Finance 2u Ltd is part of the Time Finance Group, a publicly listed company with 175 staff. Car Finance 2u has a team of 15 dedicated staff who work their hardest to ensure that you can get the car you want.
As well as offering car finance, we offer finance for the purchase of vans, motorbikes, classic cars and cars bought privately. We can also secure PCP & balloon payment deals, including refinancing the outstanding capital at the end of a PCP or lease.
Our rates start at 8.9% APR. The rate you get will depend upon a few factors, such as your credit history. The rate you are offered will depend on your individual circumstances with a representative rate of 19.9% APR. When you apply, all of this will be taken into consideration and you'll know the rate of interest before finalising your loan, so that there are no surprises.
Yes you can, you can buy ANY car from ANY reputable dealer! That means that if your application is approved, you have the widest range of choice and can find the perfect car for you.
No, we won't charge you any fees. We receive a fee from the lender, for arranging the loan.
Yes, we can often arrange finance for people with poor or bad credit, even if you've been refused elsewhere. We are a broker and several of our lenders specialise in helping people with bad credit, so even if you've been refused elsewhere, it's worth applying for car finance with Car Finance 2u.

Car Finance 2u Trustpilot Reviews

Arrange a Callback
Or call us on
0151 705 6778

Pop your details into the form below and we'll call you back. Don't forget that you can use our chat facility, which you'll find at the bottom right corner of the screen. We're available Monday to Thursday 10am to 7pm, Friday 10am to 6pm and Saturday 9am to 5.30pm.

Meet the Team

Diane Faulkner

Diane Faulkner

Relationship Manager

Diane is a Relationship Manager with Car Finance 2 U. She joined the car finance industry in 2015, loves speaking with customers and helping them finance the car of their dreams. In her spare time she loves to spend time with her friends and family, as well as going for long walks with her dogs! Get in touch with Diane on 0151 705 6778 or email

Ian Whitwham

Ian Whitwham

Relationship Manager

Ian is a Relationship Manager with Car Finance 2 U. He has spent over 10 years in the car finance business and he is passionate about getting his customers the best possible deal. There is very little he does not know about car finance, since he loves both cars and finance. Give Ian a call on 0151 705 6778 or email him on and he'll be very happy to help you.

electric cars

Electric cars: Common misconceptions

According to a recent survey by, four-fifths of drivers wouldn’t consider switching to an electric car until the government starts to invest more heavily…
carfinance 2u

Copyright 2021 Car Finance 2U Ltd | Privacy Statement

  • F&I Winner