Car Loan

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Get a better car loan deal using our Car Loan Quotes service:

  • Car Loans from 6.30% APR
  • Online Car Loan Quotes from leading UK lenders
  • Fast loan decision

Depending on your credit history we offer two services:

(a) Good Credit History

Look at the latest leading UK unsecured loan deals available where you can borrow typically up to £15,000 over a maximum repayment period of 7 to 10 years. Use our Car Loan Calculator to help you find the best car loan deal.

For loans over £15,000 or where your require a repayment term over 10 years in most cases security will be required. If you are a homeowner a lender will in some cases be able to lend as long as you have 15% equity in your home. If you are not a homeowner your only other option is to obtain a loan where the loan is secured against the car. 

See below for a selection of leading loan deals if you have a good credit history:

Unsecured Loans - Good Credit History
LenderMin - Max LoanCredit HistoryAPRTermApply
£7,500 - £14,950Good6.30%1 to 5 YearsGet Quotes >
  • Minimum Age 21
  • Permanently resident in England, Wales, Scotland or Northern Ireland
  • Available to new and existing customers
  • Online Decision
Representative Example: Borrow £10,000 over 60 months at a Representative APR of 6.3% paying £193.91 a month will result in a total sum of £11,634.60 over the loan term.
£7,500 - £14,999Good6.40%1 to 5 YearsGet Quotes >
  • Minimum age 18 & have a combined monthly income of more than £700.
  • All applicants have lived in UK for last 12 months & full right to work in UK for loan term.
  • If self employed must be homeowner and supply 1 years audited accounts.
  • An extra 0.1% discount for main FlexAccount customers for loans of £7,500 to £20,000.

Representative Example: 6.4% APR Representative (fixed). Based on an assumed loan amount of £10,000 over 49 months at an interest rate of 6.4% p.a. (fixed). Monthly repayment £231.62. Total amount payable £11,349.38.

£7,000 - £15,000Good6.90%1 to 5 YearsGet Quotes >
  • Existing Customers Only
  • Instant decision
  • Same day transfer of funds 
  • Repayment holiday options
Representative Example: Borrow £10,000 over 60 months at a Representative APR of 6.90% paying £196.56 a month will result in a total sum of £11,793.43 over the loan term.
£15,000 - £19,999Good7.90%1 to 5 YearsGet Quotes >
  • Minimum age 18 & have a combined monthly income of more than £700.
  • All applicants have lived in UK for last 12 months & full right to work in UK for loan term.
  • If self employed must be homeowner and supply 1 years audited accounts.
  • An extra 0.1% discount for main FlexAccount customers for loans of £7,500 to £20,000.

Representative Example: 7.9% APR Representative (fixed). Based on an assumed loan amount of £17,000 over 54 months at an interest rate of 7.9% p.a. (fixed). Monthly repayment £372.92. Total amount payable £20,137.68.

£15,000 - £20,000Good8.00%1 to 5 YearsGet Quotes >
  • Minimum Age 21
  • Permanently resident in England, Wales, Scotland or Northern Ireland
  • Available to new and existing customers
  • Online Decision
Representative Example: Borrow £10,000 over 60 months at a Representative APR of 6.3% paying £193.91 a month will result in a total sum of £11,634.60 over the loan term.
£20,000 - £25,000Good8.00%1 to 5 YearsGet Quotes >
  • Minimum age 18 & have a combined monthly income of more than £700.
  • All applicants have lived in UK for last 12 months & full right to work in UK for loan term.
  • If self employed must be homeowner and supply 1 years audited accounts.
  • An extra 0.1% discount for main FlexAccount customers for loans of £7,500 to £20,000.

Representative Example: 8% APR Representative (fixed). Based on an assumed loan amount of £24,000 over 56 months at an interest rate of 8% p.a. (fixed). Monthly repayment £511.77. Total amount payable £28,659.12.

£7,500 - £14,999Good8.90%1 to 5 YearsGet Quotes >
  • Existing customers only
  • Minimum age 18
  • Permanent resident in UK
  • Instant decision online. 
Representative Example: Borrow £10,000 over 48 months at a Representative APR of 8.9% paying £246.77 a month will result in a total sum of £11,844.96 over the loan term.
£7,500 - £14,999Good8.90%1 to 5 YearsGet Quotes >
  • Existing customers only
  • Permanent resident in UK
  • Minimum age 18
  • Instant decision online
Representative Example: Borrow £10,000 over 48 months at a Representative APR of 8.9% paying £246.77 a month will result in a total sum of £11,844.96 over the loan term.

Fair Investment Company is independent and provides a selection of some of the leading loan deals available. Our service does not compare or contrast all of the loan deals currently available in the market. Our address is; Kings House, 14 Orchard Street, Bristol, BS1 5EH. If you would like to arrange any of the products shown in the table please click on the “Apply” link which will take you to the provider’s website where you will be able to view further details of the product and apply online.

 

(b) Not so Good Credit History

It is possible to get hold of advice and Bad Credit Car Loan Quotes through the online forms available on this site. If you have a less than perfect credit history then it is likely that you will not qualify for a high street deal. The type of finance available to you will depend on whether you are a homeowner or tenant. If you are a homeowner you may be able to obtain an unsecured car loan deal - typically the amount you can borrow up to £15,000 on an unsecured basis. On a secured loan basis if you are homeowner you can use your property as security for finance subject to your previous borrowing record. For tenants where you have had previous credit problems your options are more limited and lenders will require you to pay more in interest to reflect the risk to them of lending you money. If you are employed and have a satisfactory income getting a car loan need not be a problem but it is important to consider the impact of the loan repayments on your lifestyle before agreeing on any deal.