Car Finance
No Deposit Loans From £2,000 to £750,000
We offer the very best services in our field. We never settle for second best and always have your satisfaction as our top priority. It’s who we are and we are proud of it.
What Is Car Finance?
The Oxford definition of finance is 'provide funding for a person or enterprise'. That's what car finance is - funding for a person or enterprise to use in the purchase of a car.
Car finance helps to spread the cost of the purchase of a new or used car, instead of paying the amount in full upfront you pay monthly.
There are multiple ways to pay for a car on finance, these agreements are hire purchase (HP), lease purchase or personal contract purchase (PCP). Each of these products works a little differently, but essentially the finance company will buy the car on your behalf and you will repay the value of the car plus interest.

How Car Finance Works At Car Loans R Us
Car Finance Products
At Car Loans R Us, no matter what the circumstances we will endeavour to find the best possible outcome for you.
The Oxford definition of finance is 'provide funding for a person or enterprise'. That's what car finance is - funding for a person or enterprise, e.g. limited company, self-employed, the money is then used to purchase a car.
Car finance helps to spread the cost of the purchase of a new or used car, instead of paying the amount in full upfront you pay monthly.
There are multiple ways to pay for a car on finance, these agreements are hire purchase (HP), lease purchase or personal contract purchase (PCP). Each of these products works a little differently, but essentially the finance company will buy the car on your behalf and you will repay the value of the car plus interest.
You generally have to be over 18 to get car finance and must have an income, however, each lender has different criteria. As a finance broker at Car Loans R Us, we work with a wide range of lenders. Here's a general list of what our lenders accept.
Our lenders will also consider - provisional licence, EU licence, no licence, CCJS, and defaults.
A reputable dealer is a dealer that has a good reputation and is trustworthy.
This is something we hear a lot, so don’t despair! At Car Loans R Us, we understand that there can be lots of reasons for a poor credit profile. We combine a wide panel of 30+ lenders with a sensible approach to selecting the right car finance lender for your circumstances. This means that we may be able to approve you for car finance where others haven’t been able to.
We are here to help our customers get their credit history back on track and get behind the wheel of an affordable, reliable vehicle. We understand the difficulties life brings, that is why we look to provide options that offer affordable monthly payments to give you the customer the flexibility to work within your budget.
Your poor credit history could be the result of CCJs, mortgage defaults, IVAs or bills that have been paid late. It could be that you’re self-employed, with no proof of income, or that you simply haven’t built up a credit history yet.
Whatever the reason, we look at every case individually, without judgement – we aim to always find you the most suitable car loan for your circumstances at a great rate. So even if you have been refused credit in the past, get in touch as we may have a lender that could help you get your next car.