By Clicking 'Submit Application' below you are agreeing to our Privacy Policy, Terms & Conditions and agree for Quick Car Finance to share your details with our Lenders or Credit Brokers who will contact you directly to provide a loan comparison calculation via SMS, Telephone and Email. To enable our Lenders or Credit Brokers to provide you with the quote they will need to undertake a soft search, this will not affect your credit score. Automotive Online Ltd can introduce you to a limited number of finance providers depending on your credit rating and affordability. Commission is a fixed payment or percent, but can vary by lender. Further information on request. All finance is subject to status and income. Written quotations are available on request.
Rates from 8.9% APR.
Representative APR of 19.8% APR
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One thing many companies offer, including ourselves, is a soft credit check. It provides you with an idea of your rates as it shows you what you could be offered while not showing up your credit report.
It is a great idea to be aware of your credit score. No one wants to have bad credit as it can impact your ability to get various types of loans. You can also use our car finance calculator to review your eligibility, by choosing how much you want to borrow, how long you’ll pay it over and also show a bad, fair, good or excellent credit score rating.
Make sure you don't have any missed payments.
Avoid going over or close to your credit card limit.
Leave some time between credit applications.
Register to vote so it's easier for lenders to confirm your identity.
Quick Car Finance provided finance deals to over 500,000 people in 2022. From full to part time profesionals and retirees, our panel of lenders has something to suit you!
I have never done car finance before so didn't know what to expect. I dealt with Ollie, he was brilliant. He always sound so cheery and happy. He wasn't pushy, but he kept in regular contact by phone or text. Whenever I phoned up he always knew it was me (which was a lovely personal touch). He was very informative and helpful.Would definitely recommend this company.... and Ollie
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Not everyone can get approved for car finance. Approval for car finance depends on several factors such as your credit score, income, employment history, and debt-to-income ratio. Lenders use these factors to determine your creditworthiness and ability to repay the loan.
No matter where you go, there is no set credit score that will gurantee or prevent you from finding car finance. If you do have a low credit score, which people do, whilst yes it may be more difficult to secure a loan but it is not impossible. Quick Car Finance can advise you personally on your next steps such as applying for joint car finance or putting down a larger deposit to reduce the amount you need to borrow.
You can also take steps to improve your credit score such as registering on the electoral roll or keeping up with your monthly bills and checking your credit report regularly.
When applying for car finance, lenders typically conduct a soft credit search at the beginning of the application process. This type of search provides the lender with a basic overview of the applicant's credit history without leaving a visible mark on their credit report.
If the customer is deemed eligible for the car finance based on the soft search, the lender may proceed to the next stage of the application and carry out a hard credit search. A hard credit search is a more detailed investigation into the applicant's credit history and will leave a visible mark on their credit report.
It is important to note that a hard credit search can potentially impact an individual's credit score, so it is generally only carried out when the customer has given their consent and is happy to proceed with the finance agreement.
When making an application with QCF, we'll ensure we obtain this consent from you. In the event a lender needs to do a hard search from the beginning, we'll ensure you are aware of this and provide us with your consent.
