Car Loans in the UK

Get matched with car loans and start driving.

How we find you the best Car Loans in the UK

Find car loans in the UK that meet your financing needs. Ratewise offers a short online application to match you with a certified lender. It’s a stress-free alternative to waiting in line at the bank. Our easy and free application is all you need to get started. Then we’ll find the most affordable car financing option for you.

No need to stress about the confusing world of car finance deals. There is a wide range of lenders out there offering deals for different situations. To make sure you get the best one for you, Ratewise acts as your personal introducer. We know that getting car loans in the UK is a big deal, so we search the market for suitable rates and deals for you. Enjoy the best possible deal with our certified partners.

We only collect the information needed to get you the best car loans in the UK on our free online application. We’ll take it from there! Sit back and relax while we find the best car financing deal for you from a range of certified lenders. Getting you the best deal available is important to us.

Find car loans in the UK with Ratewise. Get matched with a deal that offers affordable monthly payments by financing your new car through Ratewise. The entire application process is completed online.

The Wiser Choice

Fee Free

Fee Free

We are committed to helping you get the loans you need at no cost to you

Quick & Simple

Quick & Simple

Find car loans anytime, from anywhere. Our application takes less than 3 minutes to complete.

All Online

All Online

Get the best car loans from the comfort of home. Skip the hassle of waiting in line.

Stress Free

Stress Free

No deadlines, contracts, or obligations. Simply apply online and we’ll do the rest.

We’re here to help.

Here are some frequently asked questions about car loans. Have a different question? Contact us today.

What affects car loan rates in the UK?

Car loan rates are determined by several factors, such as your credit score, yearly income, current debts, the loan amount and loan term you wish to borrow for.

Generally speaking, the higher your credit score is, the lower your car loan interest rate can be. Lenders also look at your debt to income ratio to make sure that your payments are reasonable based on your monthly income.

What can you do to save on car loans in the UK?

You are already taking the first steps to saving on car loans. When you apply with Ratewise, we automatically match you with the best deal for your situation.

What types of car financing are there?

Personal loan – Also known as a car loan, it is a very common way to finance a new car. A lender approves you for a loan and when you buy the car, you’ll get ownership and pay back your loan afterward.

Personal contract purchase (PCP) – With this option, you make a deposit (usually 10%) and you make fixed monthly payments, like a mortgage. The car will belong to the lender during the contract. Due to the down payment, your monthly payments tend to be lower than with a car loan. When the loan period ends you can pay the remaining value of the car to keep it or return or exchange the car.

Hire purchase (HP) – This option requires a deposit and fixed monthly payments. The car is owned by the lender and you’ll own the car after you’ve made the final payment.

Car leasing – This option involves renting the car for a period of time while making monthly payments. You won’t have the option to buy the car at the end of the contract. But some people like this option because they can get a new car every few years.

What should I look for in a good car loan deal in the UK?

Ratewise will help you find the best car loan deal for your situation. Apply for free online and you’ll be matched with a certified lender who can offer the best car loan deal for you.

Can I still get a car loan in the UK even if I have poor credit?

You can still get a car loan if you have poor credit. If you have poor credit, you should apply with Ratewise for a car loan and we will match you with a certified lender that will provide you a car finance deal for your circumstances.

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