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Representative Example 22.9% APR
Representative example: Borrowing £8,000 over 5 years with a representative APR of 22.9%, annual interest rate of 22.9% APR (Fixed) and a deposit of £0.00, the monthly payment would be £215.52 per month, with a total cost of credit of £4,931.20 and a total amount payable of £12,931.29. This is an example only. Lender fees may apply, finance is subject to status.
Car Finance R Us is a broker, not a lender
We are a creditbroker, not a lender. We compare multiple lenders to help you find the best rate available from our panel based upon your individual credit profile. We do receive a commission. That commission is either a fixed fee per finance agreement, or a commission based on a percentage of the total amount of finance taken. This, however, will not affect the interest rate offered or the total amount repayable.
How It Works
Get Pre-Approved
Complete a simple application form straight from your laptop or phone. We’ll compare all quotes and get you an instant decision and the best rate available.
Find Your Car
It’s time to find your car from any approved reputable dealer in the UK. We’ll carry out extensive checks on the vehicle you have in mind and even talk to the dealer for you. If you’re struggling or simply don't have time, apply with us and take advantage of our Car Concierge Service.
Take Delivery
It’s a simple and safe process. We will help with all of the logistics and hold your hand from finance to collection.
No need to waste your time, we compare our panel of lenders for you.
We work with the top lenders to ensure you get the best car finance rate - first time
No Fuss Car Finance - First Time
Apply NowIt's hard to know what car you can get without knowing how much you can borrow
With our growing database of the leading lenders, we can match you to the best APR rates. The lower the rate, the more you can afford, the better the car you can own. We even take into account not having the very best credit as well as bad credit CCJ's or IVA's
What Our Customers Say
Brilliant Customer service
Brilliant Customer service , would highly recommend there services . Jamie helped me source my dream car as well as helped me to get the best apr rate for my finance plan . Cheers Jamie
Apply NowApplying Was Easy
I applied to CarfinanceRus and they were so helpful. Applying was easy and I now drive the car I wanted and it cost less than I expected.
Apply Now
Very Affordable Car Loan
I needed to get a reliable car but I did not have a great credit rating. Despite this CarfinanceR us got me a very affordable car loan.
Apply NowWe want getting your car or van finance to be as simple and straightforward as possible.
Frequently Asked Questions
Will I be offered the best APR finance rate available?
We compare your details with our lending panel who offer different rates. Our job as a broker is to offer you the very best rates available on the market, so you do not need to go anywhere else.
What Deposit Do I Need To Give For Car Finance?
In many cases you will not need a deposit at all however some lenders might ask you to put down a small payment with varying minimums usually between £400-£500. This is not a percentage of your overall loan and only applies to some lenders.
Can I buy a car from any dealership?
You can buy a car from any car dealership we deem reputable. We will conduct background checks on the dealership to ensure you are dealing with a reputable dealer.
Is there a hard search on my credit file if I search with you?
Applying will not leave a hard search on your credit file. The lenders we work with use soft search technology to pre-approve our customers when making an application. These are known as quotation searches and will appear on your credit file under secondary searches. Only you can see this information and cannot be seen by companies you apply for credit with. Only if you proceed with the finance you have been offered will a hard search then be recorded to show you have an active credit agreement on your file. If you keep up with your repayments, this could also improve your credit worthiness when you next apply for credit.
Is there an Age Limit for Car Finance?
Although you can legally drive at 17 you must be 18 or older to get vehicle finance.This age does vary with our panel of lenders and in some cases you must be older than 21 and younger than 70 at the point of application.
If I have bad credit, can you still help me?
Yes you can get car finance with bad credit or even a previous default. It will, however, be more difficult to find a lender, but certainly possible. Car Finance R US could help you get car finance with a default by looking at the lenders in our panel that specialise in helping those who have bad credit, CCJs and IVAs.
