Compare Car Loans

Compare car loans from the best car loans providers in the UK side by side, see who offers the cheapest car loan interest rates and apply for a cheap car loan in minutes. We make it easy to find an affordable loan for a car even if you have bad credit by making it easy for you to search and compare low interest car loans at a glance.
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Search 96 loans.
UnsecuredBad Credit
SecuredCar
Debt Consolidation
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LoanTermHeadline RepresentativeOnline Decision 
MinimumMaximumMinimumMaximumAPRLoan Amount 
Promoted Results
Zopa
Personal Loan
£1,000£15,000
3
years
5
years
6.08%£1,000 to £1,099
Representative Example: The representative APR is 7.84% (fixed) so if you borrow £10,000 over 4 years at a rate of 7.84% p.a. (fixed)Arrangement fee £130,
Sainsbury's Finance
 
Sainsbury's Standard Medium Loan (4-5 Yrs)
£7,500£15,000
4
years
5
years
6.1%£7,500 to £15,000
Representative Example: The representative APR is 6.1% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.1% p.a. (fixed) you will repay £236.88 per month & £11,370.24 in total.
Loan available to Sainsbury's shoppers with Nectar Card.
HSBC
Personal Loan
£7,000£25,000
1
year
8
years
6.2%£7,000 to £15,000
Representative Example: The representative APR is 6.2% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.2% p.a. (fixed) you will repay £234.99 per month & £11,279.52 in total.
HSBC Personal Loans are only available to existing HSBC current account customers.
Alliance and Leicester
 
Loan (Semi-Exclusive)
£1,000£20,000
1
year
5
years
6.3%£7,500 to £14,950
Representative Example: The representative APR is 6.3% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.3% p.a. (fixed) you will repay £235.42 per month & £11,300.16 in total.
Nationwide
Personal Loan
£7,500£25,000
1
year
5
years
6.4%£7,500 to £14,950
Representative Example: The representative APR is 6.4% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.4% p.a. (fixed) you will repay £235.86 per month & £11,321.28 in total.
Shawbrook Bank
Link Platinum
£20,000£100,000
3
years
25
years
7.9%£20,000 to £100,000
n/a
Available to home owners only.
Applications to Shawbrook Bank Loans will be forwarded to our secured loans partner Selfserveloans.co.uk.
Sainsbury's Finance
 
Sainsbury's Standard Small Loan (4-5 Yrs)
£1,000£7,499
4
years
5
years
7.9%£5,000 to £7,499
Representative Example: The representative APR is 7.9% (fixed) at a rate of 7.9% p.a. (fixed)
Loan available to Sainsbury's shoppers with Nectar Card.
RateSetter.com
Variable Rate Unsecured Personal Loan
£2,000£15,000
1
year
2
years
7.9%£2,000 to £15,000
Representative example: The representative APR is 7.9% (variable) so if you borrow £10,000 over 2 years at a rate of 7.9% you will repay £449.98 per month and £10,800 in total. Requires a good credit history.
Quick and simple online process, approval within 24 hours. No early repayment charges and all fees are included in the APR. Need good credit history.
Sainsbury's Finance
 
Sainsbury's Standard Large Loan (4+ Yrs)
£15,001£25,000
4
years
7
years
8.1%£15,001 to £25,000
Representative Example: The representative APR is 8.1% (fixed) so if you borrow £10,000 over 4 years at a rate of 8.1% p.a. (fixed)
Loan available to Sainsbury's shoppers with Nectar Card.
Nemo Personal Finance
 
Nemo
£7,500£100,000
3
years
25
years
8.22%£7,500 to £100,000
n/a
Available to home owners only.
Applications to Nemo Loans will be forwarded to our secured loans partner Selfserveloans.co.uk
NatWest
Personal Loan
£1,000£25,000
1
year
7
years
8.9%£7,500 to £14,950
Representative Example: The representative APR is 8.9% (fixed) so if you borrow £10,000 over 4 years at a rate of 8.9% p.a. (fixed) you will repay £246.77 per month & £11,844.96 in total.
Existing customers only.
RBS
Internet Loan (Existing Customers)
£1,000£25,000
1
year
7
years
8.9%£7,500 to £14,950
Representative Example: The representative APR is 8.9% (fixed) so if you borrow £10,000 over 4 years at a rate of 8.9% p.a. (fixed) you will repay £246.77 per month & £11,844.96 in total.
Loan available to RBS customers only.
Shawbrook Bank
Link Loans
£3,000£70,000
3
years
25
years
8.9%£3,000 to £70,000
n/a
Available to home owners only.
Applications to Shawbrook Bank Loans will be forwarded to our secured loans partner Selfserveloans.co.uk.
Zopa
Young (20-25)
£1,000£15,000
3
years
5
years
9.16%£1,000 to £1,099
Representative Example: The representative APR is 10.54% (fixed) so if you borrow £10,000 over 4 years at a rate of 10.54% p.a. (fixed)Arrangement fee £190,
RateSetter.com
Fixed Rate Unsecured Personal Loan
£2,000£15,000
3
years
3
years
10.8%£2,000 to £15,000
Representative example: The representative APR is 10.8% (fixed) so if you borrow £10,000 over 3 years at a rate of 10.8% you will repay £320.57 per month and £11,540.60 in total. Requires good credit history.
Quick and simple online process, money usually in your account within 48 hours. No early repayment charges and all fees are included in the APR. Need good credit history.
Norton Finance
Norton Finance
£3,000£25,000
3
years
20
years
11.9%£3,000 to £25,000
n/a
Available to home owners only.
Applications to Norton Finance Loans will be forwarded to our secured loans partner Selfserveloans.co.uk.
Central Trust
Central
£3,000£50,000
3
years
25
years
12.5%£3,000 to £50,000
n/a
Available to home owners only.
Applications to Central Trust Loans will be forwarded to our secured loans partner Selfserveloans.co.uk.
moneybarn
Car Finance
£5,000£25,000
2
years
4
years
30.2%£5,000 to £25,000
Representative Example: The representative APR is 30.2% (fixed)
Loan available for car finance only
Trouble getting car finance? Money Barn take into account much more than just your credit score.
Guarantor Loans Online
 
Guarantor Loans Online
£1,000£5,000
1
year
5
years
53.8%£1,000 to £5,000
Representative Example: The representative APR is 53.8% (fixed) so if you borrow £5,000 over 2 years at a rate of 53.8% p.a. (fixed) you will repay £316.43 per month & £7,594.32 in total.
Guarantor Loans Online is a specialist, no fee guarantor loan provider. All bad credit considered. Please only apply if you have a homeowner guarantor to support your application.
Provident Personal Credit
 
Provident Loan (Cash)
£50£500
6
months
13
months
272.2%£50 to £500
Representative Example: The representative APR is 272.2% (fixed) at a rate of 272.2% p.a. (fixed)
Pounds to Pocket
 
Pounds to Pocket
£200£2,000
1
year
1
year
278%£200 to £2,000
Representative example: The representative APR is 278% so if you borrow £500 over 1 year at a rate of 140% you will repay £79.09 per month and £949.01 in total.
Full Results
M&S
Personal Loan (Internet)
£1,000£25,000
1
year
7
years
6%£7,500 to £15,000
Representative Example: The representative APR is 6% (fixed) so if you borrow £10,000 over 4 years at a rate of 6% p.a. (fixed) you will repay £234.11 per month & £11,237.28 in total.
M&S
Car Loan
£2,500£25,000
1
year
7
years
6%£7,500 to £15,000
Representative Example: The representative APR is 6% (fixed) so if you borrow £10,000 over 4 years at a rate of 6% p.a. (fixed)
Tesco Bank
Tesco Personal Loan (Existing Customers)
£3,000£25,000
1
year
10
years
6%£7,500 to £14,999
Representative Example: The representative APR is 6% (fixed) so if you borrow £10,000 over 4 years at a rate of 6% p.a. (fixed) you will repay £234.12 per month & £11,237.76 in total.
Loan available to existing customers only.
Sainsbury's Finance
 
Sainsbury's Standard Medium Loan (1-3 Yrs)
£7,500£15,000
1
year
3
years
6%£7,500 to £15,000
Representative Example: The representative APR is 6% (fixed) at a rate of 6% p.a. (fixed)
Loan available to Sainsbury's shoppers with Nectar Card.
Zopa
Personal Loan
£1,000£15,000
3
years
5
years
6.08%£1,000 to £1,099
Representative Example: The representative APR is 7.84% (fixed) so if you borrow £10,000 over 4 years at a rate of 7.84% p.a. (fixed)Arrangement fee £130,
Sainsbury's Finance
 
Sainsbury's Standard Medium Loan (4-5 Yrs)
£7,500£15,000
4
years
5
years
6.1%£7,500 to £15,000
Representative Example: The representative APR is 6.1% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.1% p.a. (fixed) you will repay £236.88 per month & £11,370.24 in total.
Loan available to Sainsbury's shoppers with Nectar Card.
First Direct
Personal Loan
£1,000£25,000
1
year
7
years
6.1%£7,000 to £15,000
Representative Example: The representative APR is 6.1% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.1% p.a. (fixed) you will repay £234.56 per month & £11,258.88 in total.
Available to existing First Direct customers only.
Tesco Bank
Tesco Personal Loan
£3,000£25,000
1
year
10
years
6.1%£7,500 to £14,999
Representative Example: The representative APR is 6.1% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.1% p.a. (fixed) you will repay £234.55 per month & £11,258.40 in total.
HSBC
Premier Loan
£7,000£25,000
1
year
8
years
6.1%£7,000 to £15,000
Representative Example: The representative APR is 6.1% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.1% p.a. (fixed) you will repay £234.56 per month & £11,258.88 in total.
HSBC premier personal loan is for HSBC Premier current account holders only.
Car Loan 4U
(Semi-Exclusive)
£3,000£50,000
1
year
5
years
6.1%£3,000 to £50,000
Representative Example: The representative APR is 6.1% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.1% p.a. (fixed) you will repay £234.56 per month & £11,258.88 in total.
HSBC
Personal Loan
£7,000£25,000
1
year
8
years
6.2%£7,000 to £15,000
Representative Example: The representative APR is 6.2% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.2% p.a. (fixed) you will repay £234.99 per month & £11,279.52 in total.
HSBC Personal Loans are only available to existing HSBC current account customers.
Barclays
Barclayloan Plus (£3K+ Min Credit)
£10,000£25,000
2
years
5
years
6.2%£10,000 to £25,000
Representative Example: The representative APR is 6.2% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.2% p.a. (fixed) you will repay £234.99 per month & £11,279.52 in total.
Only available to Barclays Customers who have held a current account with Barclays for more than 12 months, paid £3,000 or more into their account... more
Alliance and Leicester
 
Loan (Semi-Exclusive)
£1,000£20,000
1
year
5
years
6.3%£7,500 to £14,950
Representative Example: The representative APR is 6.3% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.3% p.a. (fixed) you will repay £235.42 per month & £11,300.16 in total.
Nationwide
Personal Loan
£7,500£25,000
1
year
5
years
6.4%£7,500 to £14,950
Representative Example: The representative APR is 6.4% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.4% p.a. (fixed) you will repay £235.86 per month & £11,321.28 in total.
Clydesdale Bank
Clydesdale Personal Loan
£1,000£25,000
1
year
7
years
6.4%£7,500 to £25,000
Representative Example: The representative APR is 6.4% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.4% p.a. (fixed) you will repay £236.08 per month & £11,331.84 in total.
A Clydesdale Bank current account is required before applying.
Yorkshire Bank
Personal Loan
£1,000£25,000
1
year
7
years
6.4%£7,500 to £25,000
Representative Example: The representative APR is 6.4% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.4% p.a. (fixed) you will repay £236.08 per month & £11,331.84 in total.
Yorkshire Bank current account required before applying.
Sainsbury's Finance
 
Sainsbury's Shopper Reward Med Loan (1-3 Yrs)
£7,500£15,000
1
year
3
years
6.8%£7,500 to £15,000
Representative Example: The representative APR is 6.8% (fixed) at a rate of 6.8% p.a. (fixed)
Loan available to Sainsbury's shoppers with Nectar Card.
Santander
Personal Loan
£1,000£20,000
1
year
5
years
6.9%£7,500 to £10,000
Representative Example: The representative APR is 6.9% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.9% p.a. (fixed) you will repay £242.38 per month & £11,634.24 in total.
Santander
Personal Loan (Semi-Exclusive)
£1,000£20,000
1
year
5
years
6.9%£7,500 to £14,950
Representative Example: The representative APR is 6.9% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.9% p.a. (fixed) you will repay £238.03 per month & £11,425.44 in total.
The Co-operative Bank
 
The Co-op Personal Loan (Privilege&Premier CA)
£2,000£25,000
1
year
7
years
6.9%£7,500 to £14,950
Representative Example: The representative APR is 6.9% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.9% p.a. (fixed) you will repay £242.38 per month & £11,634.24 in total.
Loan available to Co-op Privilege and Privilege Premier Current Account customers.
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money.co.uk, Dot Zinc Limited, Fleet House, 8-12 New Bridge Street, London. EC4V 6AL. We are a Credit Intermediary for all consumer credit products listed on money.co.uk, with the exception of products from the following providers: Tesco Bank, Royal Bank of Scotland Group and Nationwide Building Society.
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Car Loans Explained

If you're looking to upgrade to your dream car but need to borrow a little extra, we explain your options.

A new car can be an expensive purchase, with finance plans offered by car dealers often charging extortionate rates of interest. However, by financing the purchase of a new car through an independent car loan specialist, you are likely to be offered a more reasonable interest rate with repayments spread over a term of your choice, enabling you to upgrade your vehicle affordably.

There are two main types of loans which can be used to purchase a new car; specialist car loans (where the loan amount is secured against the car rather than your house) and regular personal loans (where you simply choose to spend the borrowed funds on a new car).

The majority of companies offering regular secured or unsecured personal loans will be willing to lend funds to contribute towards the purchase of a new car. However, specially tailored car loans are also available and these are often accompanied by a degree of repayment flexibility and other features which are more beneficial to the purchase of a car. These features may include the ability to defer repayments (giving the option of lower initial payments followed by a lump sum payment at the end of the loan term), cashback on the vehicle, direct payment to the car dealer and enhancements such as vehicle checks or breakdown service membership.

Whether you choose a specialist car loan or a regular personal loan the monthly repayments are likely to be based on a percentage of the total loan amount spread evenly over the loan term coupled with interest payments. The interest rate applied will be dependent on your personal circumstances, the amount borrowed and for specialist car loans, may depend on the vehicle being purchased. Additionally, just as homeowner loans are secured on the borrower's property, car loans may be secured on the vehicle purchased and if repayments aren't met it may be reclaimed.

The majority of car loan specialists do not place restrictions on the dealers or type of car purchasable with the loan funds, however it is always best to check as some impose restrictions specifying that you are only eligible for a car loan if you agree to purchase the car from a particular source. It is also important to check whether payment protection insurance or gap insurance is automatically included with the monthly loan amount or whether they are optional extras.

Payment protection insurance is designed to cover the loan repayments if you are unable to meet them due to sickness or unemployment, whereas gap insurance is designed to pay out if the amount granted by your insurance company in the event of your car being stolen or written off in an accident is not sufficient to replace the car. Both types of insurance can be useful accompaniments, simply to provide reassurance that if the unforeseen did happen you would not loose your car, however they do usually come at an additional cost.

By comparing the features and monthly repayments offered by different car loan specialists as well as checking whether there are any arrangement fees imposed, regardless of your circumstances you should be able to borrow an amount sufficient to purchase your new vehicle, with repayments that suit your lifestyle.

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