Car finance, simplified

Compare personalised car finance offers from over 40 lenders

ClearScore is a credit broker, not a lender, 18+, T&Cs apply

A view of some car finance offers on the ClearScore app

Customise your car finance quote

Find your car through one of our partners

Compare as many offers as you like without harming your credit score

We work with some of the UK’s most popular lenders

partner logoAA logopartner logooodle logoBlue motor logoMoney Barn logo

What’s car finance?

Car finance is a type of loan that lets you borrow money to get a new or used car. It's usually secured against the car itself, meaning that if you can't make the repayments, the lender could take the car back.

If you choose to get your car using finance, you'll have something called a credit agreement between you and the lender. This can be a flexible option that lets you spread the cost of the car over an agreed period of time, with interest.

There are a few different types of car finance out there, like Hire Purchase or Personal Contract Purchase. Comparing your offers on ClearScore can help you understand what you could be eligible for. You could even find a car through one of our lenders.

An image of a blue car on a blue background

The different types of car finance

Hire Purchase (HP)

HP stands for hire purchase. If buying a new car isn’t affordable, Hire Purchase could help you pay for it in instalments. You’ll get the car and pay for it over a period of time, usually 3 to 5 years.

Once you’ve repaid the loan – the car’s yours.

Personal Contract Purchase (PCP)

A Personal Contract Purchase (PCP) means you’ll pay for your new car in monthly payments, usually over 2 to 5 years.

At the end of the contract, you can keep the car (after paying the final balloon payment), part-exchange it, or hand it back. That’s why the monthly payments tend to be lower than hire purchase.

Unsecured personal loan

It’s a type of loan that’s not backed by any of your assets, like a house or car. Lenders consider things like your credit score and income before agreeing to give you a personal loan.

Car refinance

Already got a car on finance? Switching to a different lender could save you money or help you spread the cost of your balloon payment.

We’re your ultimate car finance companion

Seamless Hire Purchase options

With our HP offers, you can drive away in your dream car while enjoying flexible repayment terms and competitive interest rates. We make the process straightforward, hassle-free, and tailored to your financial situation.

Personal Contract Purchase to suit you

With the option to buy your car, part-exchange, or just hand it back at the end of the contract, our PCP offers give you the flexibility to get a car in a way that works for you.

Unsecured personal loans at your fingertips

If you're looking for alternative financing options, our unsecured personal loans provide the freedom to secure funds for your car without any collateral. It's designed to fit your unique circumstances.

Car Loan Switcher

Put the brakes on overpaying for your car finance. Our newest tool could help you switch to a better deal, which means you could be paying less for the car parked outside.

The benefits of car finance

Pay in monthly instalments and make budgeting easier.

Discover personalised interest rates and car finance terms when you use ClearScore.

Get help finding your new car through some of our lenders.

Improve your score as you go. Paying on time and in full, every month, can help you build your credit score.

Choosing the right car finance provider for you

We can fuel your options by showing you a wide range of car finance offers tailored to you.

Once you’ve signed up, just tell us what you’re looking for and we’ll show you offers you could be eligible for.

You can even find your first car, or upgrade your ride, with one of our partners.

Some of the car finance offers available on ClearScore

Find your car finance offer today

Eligibility criteria for car finance

Your credit score can put you in the driver’s seat

Having a good credit score is like having a the green light to your dream car. Want to improve it? Check out your personalised insights in your report.

Don’t let affordability be a roadblock

Lenders look at your overall financial situation to make sure you can afford the loan. That’s why comparing offers is a great way to see what you could be eligible for before applying.

Let your credit history hand you the keys to your new car

Your payment history, how long you’ve had credit for, and what other credit you have make up your credit history. Checking your report and making sure the information is correct and up-to-date can help you make sure lenders have the clearest picture of you.

Finding the right car finance offer for you

Compare your offers

Take the time to research and compare car finance offers from different lenders. Look for things like interest rates and the monthly amounts to see if they’re right for you.

Set a budget

You’ll need a realistic budget. Think about monthly repayments, insurance, maintenance, and fuel costs.

Check your credit score

Before applying, check your credit score. It can affect the loan terms and interest rates you see. Head to your insights for easy steps you can take to improve it before you start your search.

Can you get car finance with a bad credit score?

We work with lenders who specialise in helping you find the right car finance deal for your score.

Representative 18.4% APR.

Start comparing your car finance offers

Want to refinance your car?

Check out our Car Loan Switcher

You could be paying more than you need to be.

See if you can reduce your monthly repayments or spread the cost of your balloon payment.

We take out the guesswork by showing you offers tailored to you, so you can be clear on what your options are.

Head to your offers and see if you could save.

A smart phone showing car refinance information from the ClearScore app

Do more with ClearScore

Get a preview of incoming changes

Whether you’re adding a new account, removing an old one, or just changing how much credit you use – you’ll find it here.

Take a closer look at your accounts

We’ll show you whenever they've been opened or updated over the past 7 years. You can even see how much of your available credit you’ve used and what the loan balance is. Everything you need, all in one place.

Save time when looking for your next offer

Your offers are personalised to you. And we’ll show your approval chance so you can feel confident about applying.

Frequently asked questions