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Rates start from 9.9% APR. Representative example: borrowing £7,500 over 48 months with a REPRESENTATIVE APR of 23.9%, an annual interest rate of 23.9% (Fixed) and a deposit of £0.00, the amount payable would be £234.76 per calendar month, with a total cost of credit of £3,768.48 and a total amount payable of £11,268.48. Rates may differ as they are dependent on individual circumstances. Rates from 9.9% APR: the exact rate you will be offered will be based on your circumstances, subject to status. No initial impact to your credit score but a hard search will be added to your credit profile if you decide to proceed with finance.
Rates start from 9.9% APR. Representative example: borrowing £7,500 over 48 months with a REPRESENTATIVE APR of 23.9%, an annual interest rate of 23.9% (Fixed) and a deposit of £0.00, the amount payable would be £234.76 per calendar month, with a total cost of credit of £3,768.48 and a total amount payable of £11,268.48. Rates may differ as they are dependent on individual circumstances. Rates from 9.9% APR: the exact rate you will be offered will be based on your circumstances, subject to status. No initial impact to your credit score but a hard search will be added to your credit profile if you decide to proceed with finance.
Simply set your monthly budget or the total loan amount you require, the repayment term you would like and your credit score rating. The result will change as you set each value with the default loan option set to PCP (Personal Contract Purchase); click on the toggle if you would like to choose HP (Hire Purchase) instead. The APR used for the calculation will be estimated based on the values you have set. To find out the exact APR for your loan please complete an online application form.
The representative example below the calculator gives you a typical example based on an APR that most of our customers would qualify for.
Step 1:
Complete an online application form (does not affect your credit score or put you under any obligation), and receive an instant online decision. If successful, a car finance consultant will be assigned to you – they will then make contact with you to discuss your options and talk you through the process.
Step 2:
Your dedicated consultant will search through our lending panel to find the best possible lending options based on your budget and other requirements. Our lending panel cover all credit backgrounds, so even if you have a bad credit profile or have been refused elsewhere, we may still be able to help.
Step 3:
Once you have decided on your preferred lending option and terms you can then select your car. If you have not already found the car you want, we can help you get the best deal with our extensive range of ready to buy cars from our approved UK dealer network
HP and PCP are the most popular lending options available. To help you decide which is most suitable for you, see the comparison table below detailing the main elements of each.
If you would like further information visit our HP and PCP pages. We also have other Vehicle Finance Options including car leasing and lease purchase
If you would like further information visit our HP and PCP pages. We also have other Vehicle Finance Options including car leasing and lease purchase
Our application form is very straightforward, and we only ask for essential information in order to process your application and to access whether you are eligible for a loan from one of our lenders.
As an FCA approved broker we process all your information securely and will not disclose anything to any third parties for marketing purposes. Furthermore, we will only use your information to check your credit profile and this process does not impact your profile in any way.
Information needed to apply:
We have been successfully helping our customers to secure car finance since 2004. In fact, we were one of the first to offer this service and we have been at the forefront ever since. We pride ourselves on our excellent customer service with many customers returning again and again.
Reasons to choose Creditplus:
To find out your credit score, you’ll need to access a copy of your statutory credit report from one of the three main credit reference agencies; Experian, Transunion or Equifax. Your report will include a full breakdown of your credit history, including your credit rating.
When you apply for a car loan with Creditplus, we run a Soft Credit Search on your profile to check your affordability. Soft searches won’t leave a trace on your credit profile and do not affect your credit score. However, it’s worth noting that some car finance companies may run a hard credit search, which will leave a footprint on your credit report and could cause your credit score to drop slightly. While one hard search is unlikely to impact your credit score significantly, multiple applications over a short period can be more damaging. And may lead some lenders to assume that you are over-extending your credit.
No. If you haven’t yet found your car, you can still check your eligibility and receive an instant decision with our quick and easy Online Application. Just tell us roughly how much you’re looking to borrow, and we’ll provide you with a quote. Once you’ve found the car, we simply transfer the funds to the dealer or private seller and you can drive away.
Yes. Whether you’re looking to buy a car on finance through a dealer or a private seller, we can help. All we need is the vehicle registration to ensure your car meets the lender’s requirements. Once the finance is in place, we can transfer the funds and it’s yours to collect.
A deposit can often strengthen your application, but if you don’t have the cash available, we offer a no-deposit option subject to approval. Alternatively, if you have an existing vehicle you’re looking to sell, we can accept this as a part-exchange towards your next car.
Yes. Used car finance is extremely popular, and with such a wide choice of flexible loan options including PCP, HP and Car Leasing to choose from, you can tailor your finance package to suit you. Apply Online today.
Yes. We understand not everyone has a perfect credit score and that’s why a number of our lenders offer finance packages specifically tailored to individuals with Bad Credit. Find out if you’re eligible with our Car Finance Checker and receive an instant decision, without affecting your credit score.
A Balloon Payment is a lump sum owed to the lender at the end of the agreement. With PCP the balloon payment is optional, depending on which option you take at the end of your agreement. If you want to keep your car the balloon payment must be paid, but if you choose to return the car to the lender or part-exchange it for another vehicle, you simply hand the car back.
Your mileage allowance is agreed at the start of your contract and is used to determine the cost of your monthly repayments. Should you exceed your mileage allowance, you’ll normally be faced with an excess mileage charge (typically around 1 pence per mile). But don’t worry – you can discuss your mileage options with your car finance to specialist.
If a rate is displayed as a representative APR, it means at least 51% of applicants who are approved for the loan will be offered the advertised rate. The remaining 49% will be accepted, but usually at a higher APR.
An exact APR takes into account your personal details and your credit score to provide the actual rate you’re eligible for. With an exact APR you know exactly how much your loan will cost, making budgeting easier. Get an exact APR with our 2-minute Eligibility Checker, without affecting your credit score.
To find out your credit score, you’ll need to access a copy of your statutory credit report from one of the three main credit reference agencies; Experian, Transunion or Equifax. Your report will include a full breakdown of your credit history, including your credit rating.
When you apply for a car loan with Creditplus, we run a Soft Credit Search on your profile to check your affordability. Soft searches won’t leave a trace on your credit profile and do not affect your credit score. However, it’s worth noting that some car finance companies may run a hard credit search, which will leave a footprint on your credit report and could cause your credit score to drop slightly. While one hard search is unlikely to impact your credit score significantly, multiple applications over a short period can be more damaging. And may lead some lenders to assume that you are over-extending your credit.
No. If you haven’t yet found your car, you can still check your eligibility and receive an instant decision with our quick and easy Online Application. Just tell us roughly how much you’re looking to borrow, and we’ll provide you with a quote. Once you’ve found the car, we simply transfer the funds to the dealer or private seller and you can drive away.
Yes. Whether you’re looking to buy a car on finance through a dealer or a private seller, we can help. All we need is the vehicle registration to ensure your car meets the lender’s requirements. Once the finance is in place, we can transfer the funds and it’s yours to collect.
A deposit can often strengthen your application, but if you don’t have the cash available, we offer a no-deposit option subject to approval. Alternatively, if you have an existing vehicle you’re looking to sell, we can accept this as a part-exchange towards your next car.
Yes. Used car finance is extremely popular, and with such a wide choice of flexible loan options including PCP, HP and Car Leasing to choose from, you can tailor your finance package to suit you. Apply Online today.
Yes. We understand not everyone has a perfect credit score and that’s why a number of our lenders offer finance packages specifically tailored to individuals with Bad Credit. Find out if you’re eligible with our Car Finance Checker and receive an instant decision, without affecting your credit score.
A Balloon Payment is a lump sum owed to the lender at the end of the agreement. With PCP the balloon payment is optional, depending on which option you take at the end of your agreement. If you want to keep your car the balloon payment must be paid, but if you choose to return the car to the lender or part-exchange it for another vehicle, you simply hand the car back.
Your mileage allowance is agreed at the start of your contract and is used to determine the cost of your monthly repayments. Should you exceed your mileage allowance, you’ll normally be faced with an excess mileage charge (typically around 1 pence per mile). But don’t worry – you can discuss your mileage options with your car finance to specialist.
If a rate is displayed as a representative APR, it means at least 51% of applicants who are approved for the loan will be offered the advertised rate. The remaining 49% will be accepted, but usually at a higher APR.
An exact APR takes into account your personal details and your credit score to provide the actual rate you’re eligible for. With an exact APR you know exactly how much your loan will cost, making budgeting easier. Get an exact APR with our 2-minute Eligibility Checker, without affecting your credit score.
Get a decision within 2 minutes, without affecting your credit score.
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