Car Finance the Easy Way
Rates from 9.9% APR. Representative APR 19.2%. Smooth Car Finance is a credit broker, not a lender.
- NO CREDIT SCORE IMPACT*
- NO CASH DEPOSIT NEEDED
- FIND YOU THE BEST RATES
Car finance loan calculator
*Please note that if you proceed with your quote, a hard credit check will be performed, which may affect your credit score.
Representative example: borrowing £6,500 over 5 years with a representative APR of 19.9%, an annual interest rate of 19.9% (Fixed) and a deposit of £0.00, the amount payable would be £166.07 per month, with a total cost of credit of £3,464.37 and a total amount payable of £9,964.37. We compare multiple lenders to help find the best rate available from our panel and offer you the best deal you're eligible for. We earn a fixed or percentage-based commission on the finance agreement, which will not affect your interest rate or total repayment amount. The full commission details will be provided in the commission disclosure document before proceeding with the finance agreement.
HOW IT WORKS
Our Process Is Simple...
Tired of complicated, time-consuming finance processes? We make it quick and straightforward with our three-step approach:
Apply and get approved
Approval takes just minutes. Complete our simple online application, we’ll instantly compare rates and aim to find the best deal for you.
Choose your car from any dealer
Whether you’ve already found your dream car or need help sourcing it, we’ll manage everything for you, from dealer communication to thorough vehicle checks, ensuring a seamless buying experience.
Hit the road in no time
Once the paperwork is sorted, it’s time to collect (or have delivered) your new car. Getting behind the wheel has never been easier.
Types of car finance
PCP finance
Want flexibility and the option to change your car every few years? Personal Contract Purchase (PCP) could be the right choice. Make affordable monthly payments and have the option to pay a larger final sum (balloon payment) to own the car at the end of the term.
HP finance
If you’d prefer to own the car outright at the end, Hire Purchase (HP) is for you. With fixed monthly payments over a set term, you’ll become the full owner of the vehicle once the final payment is made.
Why choose Smooth Car Finance?
At Smooth Car Finance, we’re more than just another car finance provider. We’re here to challenge the norm and put the power back where it belongs—in your hands.
Transparent rates
No hidden fees. No nasty surprises. We’re upfront about everything, so you always know exactly what you’re getting.
Personalised service
You're not just a number to us. Our team goes the extra mile to always aim to provide the best deals tailored to your needs.
Empowerment
Don’t settle for inflated rates from big lenders. We fight for the best terms and rates, putting your interests first.
Frequently Asked Questions
What is car finance, and how does it work?
Car finance allows you to spread the cost of a car over an agreed period with affordable monthly payments. This makes cars more accessible without the need for a large upfront payment. At the end of the term, you’ll have the option to own the car outright with a balloon payment or final payment.
Can I still get a car on finance with bad credit?
We partner with lenders who specialise in helping individuals with less-than-perfect credit. Whether you have CCJs or IVAs, we have options available and will strive to find you an affordable deal. Keep in mind, your credit score will impact the rates and terms you're offered.
Do I need a deposit to get car finance?
Not necessarily. Most of our lenders offer zero-deposit finance options. However, some may require a small deposit, depending on factors like the loan amount and vehicle type.
Will my soft credit search affect my credit rating?
This depends on your income, affordability, and credit score. We assess every application and work to find the right solution, whether you have good or bad credit, are self-employed, or even retired.
How much can I borrow to buy a car?
It all depends on your income, affordability, and credit score. We assess all applicants and strive to assist everyone, whether you have good credit, bad credit, have been declined by other lenders, are self-employed, or even retired.