Private Car Finance

Get the Private Car you Want

private car finance

Apply for Private Car Finance

Step 1

Complete our Online Application Form

The first step in getting the private car you want is to apply for private car finance. You can do that quickly and easily using our car finance online application form, below. We typically give you a decision within minutes and you can borrow between £2,000 and £50,000.

Don't worry if you don't have a perfect credit score, we have a large range of lenders who specialise in providing finance to people with all kinds of financial circumstances. Maybe you've missed the odd payment on your credit card or mobile phone bill, don't stress, we are still likely to be able to help you. Our process is quick and easy, plus we have dedicated relationship managers to support your application.

So don't delay, apply today using this online application form.

Step 2

Choosing your Used Car

Once you've completed our online application form, your dedicated relationship manager will be in touch with you to inform you of the outcome of your application. If you've previously had an application for a private car loan refused elsewhere, don't worry, it's still worth applying to CarFinance2u. We work with a large range of lenders, some of which specialise in securing finance for people with bad credit and other circumstances. Whatever yours are, we'll do our best to find a finance deal for you, so don't delay, apply today.

Once you've had your private car finance application accepted, you can enjoy browsing the classifieds, such as eBay or AutoTrader, to choose the private car you want. With the finance sorted, you can enjoy browsing at your leisure for the right private car for you, without having to worry. We take all of the hassle out of financing your private car, so that you can concentrate upon getting what you want. Your dedicated account manager will even advise you if they think the price being charged for the car is too high. We arrange a huge amount of private car loans, so we know the true value of used cars. We're here to help and we'll hold your hand every step of the way.

Step 3

Enjoy your Car

With your private car finance sorted, we'll pay the owner and you can enjoy your car. You then make monthly payments to the finance company, until you've paid the total amount owed. We offer private car loans which can be repaid over a period of between 1 and 5 years. If you have any unanswered questions, refer to our Help & Advice section below.

Help & Advice

How We Work

What gets us up in the morning is our enthusiasm to get our customers the most suitable private car finance package from our range of over 90 lender products. You will be allocated a dedicated relationship manager who will look carefully at your application with a view to sourcing private car finance from the most appropriate funder.

This individual will be your dedicated point of contact and will make the whole process very easy and straight forward. We believe in doing things the old fashioned way with a person, rather than a computer, working to get you the best deal available.

Want To Chat With Us Now?

Our customer service team is available Monday to Thursday 10am to 7pm, Friday 10am to 6pm and Saturday 9am to 5.30pm, so if you have a question you want answering straight away, call us on 0151 705 6778 or use our chat facility by clicking on the chat icon at the bottom right hand corner of the screen. If we're not available, you can leave us a message and we'll quickly get back to you.

Interest Rates & Repaying the Loan

Our rates start from 8.9% APR. The rate you are offered will depend on your individual circumstances, with a representative APR of 19.9%.

Our private car loans can be repaid over a period of between 1 and 5 years. Apply today to find out what private car loan we can offer you. It's simple, fast and you'll typically receive a decision within minutes.

Your Credit Status

Your credit score is a rating system which reflects how well you have managed the repayment of loans and other forms of credit over the last six years.

If you have always repaid your loans, credit cards and other debts on time, you'll likely have a good credit score. If, however, you have missed payments or defaulted on loans altogether, your credit score will have been adversely affected.

Typically, the higher your credit score, the better your chances of having your application for private car finance approved. Even if your credit score is poor, or if you've been refused elsewhere, CarFinance2u may still be able to help you and we've already helped thousands like you. We have a wide range of lenders, some of whom specialise in helping people with poor credit to secure private car finance. So don't delay, apply for private car finance today, with CarFinance2u.

Even if you've been refused for finance elsewhere, the good news is we have lenders who specialise in helping people just like you. So if you have a poor credit history or a CCJ, it's still worth applying for private car finance with CarFinance2u. Simply use our online application form towards the top of the page to apply.


After you've applied, to secure the private car finance, a lender will ask for three categories of documentation; proof of driving licence, proof of income and proof of address. We can help to further advise you on the specific documentation you'll need once your car finance application has been approved. Different lenders ask for different documentation but they will fall into the three categories named above.
You must be aged 18 or over to apply for private car finance.
No, in most cases, you do not need a deposit. If you have funds to use as a deposit, this will reduce the total loan amount and subsequently, your monthly payments. If you have bad credit, a deposit may help you to secure private car finance.
Our wide range of lenders cater for all kinds of different employment circumstances, so whether you're employed full-time or part-time, or self-employed, we are likely to have a private car finance solution for you.

Finance Options

HP, or Hire Purchase, is a very popular way of financing the private car you want. You apply for a set loan amount and once it's approved, you are free to choose the car you want up to that amount. In most cases, no deposit is required. The loan is repaid in fixed monthly instalments, over an agreed period of time. The loan is secured against the vehicle until the full balance has been repaid. Once this has been achieved, ownership of the vehicle is transferred to you from the loan provider.
CarFinance2u has a wide range of lenders who can offer competitive rates on personal loans. These are unsecured loans which allow you to buy the private car you want outright, without the loan being secured against the vehicle.
If you are unable to secure private car finance with your own circumstances, a guarantor loan may be a suitable option for you. This is where a friend or relative acts as your guarantor for the loan. You are still responsible for making the repayments on the loan, but if you were to default, your guarantor has accepted to make those payments on your behalf. Guarantor loans are useful for when you have bad credit and can't secure your own loan. Maybe you've defaulted in the past, experienced bankruptcy or have no credit score.

Private Car Finance Deals

Everyone loves a private car finance deal and we're no different. That's why CarFinance2u not only helps you to secure the best private car finance deal that we can, but we also help you to get the best deal of your private car purchase. When you apply for car finance with us, you get a dedicated relationship manager who will help you every step of the way to securing your new private car. That includes making sure that you're paying the right price for the car.

We secure so many car finance deals for our customers that we know the accurate value of used cars and we use our knowledge to help you. So, if we think you're paying over the odds for a car being sold privately, we'll tell you and help you to negotiate a better deal. It all comes as part of CarFinance2u's dedicated service. So whether you're looking to borrow £5k for a Ford Focus or £20k for an Audi S5, we'll make sure that you're not paying over the odds. It helps you to relax, knowing that you're in the safe hands of people with vast car finance experience, ensuring that you get the best deal possible.

We pride ourselves on providing the best quality service, with the personal touch, so don't delay apply for private car finance today with CarFinance2u.

Guaranteed Private Car Finance

At CarFinance2u, we use plain language to help our customers understand every step of the private car finance process. That's why we're upfront about the fact that whilst there's no such thing as guaranteed private car finance, we can help customers who have experience with bad credit or a less than perfect credit score. We work with a large range of lenders, some of who specialise in helping people with all kinds of financial circumstances to secure a private car finance deal.

So, if you've missed credit card or mobile phone payments, or had other difficulties with repaying previous loans, it's still worth applying for private car finance with CarFinance2u. Our private car finance application process is fast and simple with our cutting edge online application form. Even better, you'll typically receive a decision within minutes. We're not a faceless company with robots doing all of the hard work, we have dedicated relationship managers who help you every step of the way in your private car finance application. So, whilst we can't absolutely guarantee private car finance for everyone, we do our very best to get the best deal every time. So don't delay, apply for private car finance now with CarFinance2u.

Apply for Private Car Finance now

Use our simple online application form.

Apply now

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CH41 1EL

0151 705 6778

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