Easy car finance with Creditplus

Looking for car finance? Then you've come to the right place. With over 12 years' experience, 90+ lending options and a five star customer rating, there's little wonder why Creditplus help over 80,000 customers a year. 

Simply choose an option below for more information, or Apply Now for a quick online no obligation decision that will not affect your credit file. Our unique simplified service will get you the best finance deal fast.

We can either provide finance for a car you've already found - whether it's a dealer or private seller - or we can help find a car for you and even deliver it to your door (for free), using our unique Find, Fund & Deliver service.

Why choose Creditplus?

Over 90 lending options available

You can buy new or used cars and more

Committed to ethical lending

A huge selection of cars on finance available

Fast online decision - applying does not affect your credit file

Your own dedicated Customer Advisor to assist you through the whole process

Car loans at Creditplus

As a car finance specialist, we can help with all your car buying needs, no matter what you're looking for. If you're thinking of buying or leasing a new or used car, we'll work hard to get you the best car finance deal possible.

Because we pride ourselves on being an ethical lender, we're also committed to handling your finances responsibly. We'll treat you fairly all while ensuring that we do everything possible to get you the loan you need for the car you want at the lowest possible rate.

Buying cars on finance, whether your considering a new or used car, is becoming increasingly popular; it offers highly competitive APR rates and it's often easier to have a finance agreement accepted in comparison to a personal loan. With car finance you have a whole range of options to choose from, including Hire Purchase, Personal Contract Purchase and Leasing.

If you're unsure about which loan product would best suit your needs, contact us or visit our interactive Car Finance Options tool, to give you an indication on which product would best suit you.

How does Creditplus work?

At Creditplus we specialise in providing finance to customers from all financial backgrounds. We have more than 12 years' experience in sourcing loans that allow customers to buy the car they want at a competitive and attractive price. 

Buying a car on finance through Creditplus is a quick and easy process; applications take just a few minutes to complete and, unlike other finance providers, we provide you with a fast online decision. (Representative APR of 18.5%).

A key benefit of applying with Creditplus is that we compare car loan deals from across the whole market. To do this, we have developed a unique process that allows us to match you to the most suitable lender depending on the information you’ve provided in your application and the information on your credit profile.

This not only follows our ethical approach to lending, but it also means we’ll get your application approved quickly and accurately. By getting you the best possible APR rate, this will mean you'll have lower monthly payments.

If you've already chosen your car from a dealership, our Advisors can talk you through your finance agreement, as we can finance a car that you've found outside of our network. Alternatively, if you're unsure of the exact car you want, you can take advantage of our Find, Fund & Deliver service.

Getting a car on finance with Creditplus couldn’t be easier. Our team of experienced Advisors are ready and waiting to help you get the finance you need for the car you want.

How car finance works

Looking for car finance but unsure about your credit score or credit rating?

Here at Creditplus, we understand that not everyone has a perfect credit score. In fact, we are well aware that the majority of car buyers fall in to the sub-prime or non-prime categories. So what does that mean for those who have a bad credit score but still want to take advantage of our car finance solutions?

Rest assured, we're here to help you. We have a dedicated page for those with poor or bad credit scores who want to apply for credit, including details of how you can still apply, key information to aid your understanding, and useful tools and links. Visit our bad credit car finance page for more details on how Creditplus can help you.

Need some Help & Advice?

Car finance can be a daunting prospect, so we've developed our Help & Advice centre that's filled with everything you need to know to make financing a car much easier to understand.

You can also visit our Car Finance Options page for a breakdown of the different types of finance available.

Do you need help finding the right car for you?

Creditplus can source a car for you from our extensive network of established and trusted UK dealers. Furthermore, as an RAC Approved Dealer all cars supplied through us and our dealers have not only passed the RAC 82-Point Approved Vehicle Preparation Standard, they also come with 12 months free RAC Breakdown Cover.

Once you've submitted your application, our experienced Advisors will look at your car finance options and discuss the type of car you're looking for. Find out more about our Find, Fund & Deliver service.

Unsure about your credit score?

Calculating and understanding your credit score can be confusing, so it's important to fully understand this before making any decisions. Our Credit Score Tool will help give you an idea of what your credit score is likely to be, while our Credit Clinic explains more about credit scores and ratings, what it actually means, the steps you can take to improve your rating and several useful resources for free and impartial advice.

Got a question for us?

If you require further assistance, our team of Customer Advisors are here to help. We're open six days a week - you can view our opening hours here - and we're more than happy to answer your questions.