Car finance sorted. Enjoy the ride!

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Get a decision in just 20 seconds* without affecting your credit score

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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.

Set your budget

Cash Price:
-
£
15000
+
Loan Length:
-
24
Months
+
Deposit:
-
£
3000
+
Your estimated credit score is:
excellent
good
fair
bad

Breakdown

Best available rate
9.9%
Total amount repayable
£6,027
Total cost of credit
£1,027
Total loan amount
£5,000
24
monthly
payments
£125
PRE-APPROVED CAR FINANCE

Why Choose Carki?

Leave the financing to us! We’ll make sure you’re pre-approved with the cheapest deal that suits your circumstances. You can wave goodbye to any doubts and dive into buying your new car with absolute confidence, driving away with a smile knowing you scored the perfect deal within your budget.

Don’t just take our word for it - check out our great customer reviews! Our customers love our hassle-free car buying experience and our commitment to providing the best possible finance deals.

Hire Purchase

Hire purchase (HP) is a way of financing a car without paying the entire cost upfront. At the beginning of the contract you pay a deposit, and receive the car. Throughout the duration of the contract you will continue to pay a monthly payment and at the end of the contract the car is completely yours.

Personal Contract Purchase

A personal contract purchase (PCP) is a car financing option that offers lower monthly payments than a personal loan or vehicle hire purchase. Instead of paying off the entire cost of the vehicle, you are only required to pay a fraction of it. You may find it beneficial if you like to get a new vehicle frequently.

Personal Loan

You can borrow a lump sum from a lender to pay for the car upfront and spread the payment over an agreed period of time. You’ll own the car outright from the beginning and usually won't have to pay a deposit.

What is Hire Purchase?

Hire purchase (HP) is a way of financing a car without paying the entire cost upfront.

You pay a deposit receive the car and throughout the duration of the contract you will continue to pay a monthly payment then at the end of the contract the car is completely yours.

Hire Purchase

Hire purchase (HP) is a way of financing a car without paying the entire cost upfront. At the beginning of the contract you pay a deposit, and receive the car. Throughout the duration of the contract you will continue to pay a monthly payment and at the end of the contract the car is completely yours.

Personal Contract Purchase

A personal contract purchase (PCP) is a car financing option that offers lower monthly payments than a personal loan or vehicle hire purchase. Instead of paying off the entire cost of the vehicle, you are only required to pay a fraction of it. You may find it beneficial if you like to get a new vehicle frequently.

Personal Loan

You can borrow a lump sum from a lender to pay for the car upfront and spread the payment over an agreed period of time. You’ll own the car outright from the beginning and usually won't have to pay a deposit.
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Experienced team by your side

Confused? No worries, our finance experts are always here to help you make the right decision. Get in touch with us today, and let's make your dream of owning a car a reality!
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FAQs

Everything you need to know about Carki and Car Finance. Can’t find the answer you’re looking for? Please chat to our team.
What details do I need to apply?
To compare hire purchase or personal loans for vehicle finance, there are a few details we’ll need from you to find the best quotes.
These are:
Your address.
Contact details.
Your income, expenditures and employment.
How much you wish to borrow.
How long you would like to borrow for.
Can I get finance for a used car?
Yes, we can compare hire purchase agreements and personal loans for used cars.
What happens if I miss a payment?
Missing a loan repayment can have negative consequences, so ensure to speak to your loan provider if you are falling behind with repayments. It could result in the lender repossessing the vehicle.

A missed payment could harm your credit score or even result in a county court judgement against you.
What is a soft search?
A soft search enables you to see if you are eligible for a loan without leaving a mark on your credit report. It’s a useful way of finding a loan without harming your chances of being accepted.
Do I need to put down a deposit?
Most lenders do not require a deposit for you to go ahead, but don't worry if the car you choose does need one, as we will advise you straight away and you will be free to look for another car. A personal loan does not require a deposit at all. As long as you can keep up with the monthly payments, this option will help you finance a vehicle without having to pay a deposit.
Will comparing impact my credit score?
When comparing, there will be no impact on your credit score because it will only be a ‘soft search’. When applying for a loan, a credit check is carried out which could impact your credit score. When you compare with Sensible, we will only do a ‘soft search’ and won’t impact your credit score in any way.
What does APR stand for?
APR stands for Annual percentage rate and takes into account the interest and fees you’ll pay on money you borrow. When borrowing from credit cards, you can avoid paying interest if you pay your balance in full each month by the due date.
Can I sell my car if it's on finance?
If you are still paying for the car you will be unable to sell it. This is because until you have paid the finance in full, it is not legally yours. If you have paid off the car in full, you will be able to sell it if you choose to.

Don’t just take our word for it

starstrust
Excellent service from the Carki team.
"Excellent service from the Carki team.Even when my situation wasn’t straight forward, Carki were fast and efficient in getting me the best rate for my Car Finance."
Emma Keely
starstrust
Carki went the extra mile
Excellent service from Dan at Carki. I wasn’t sure I’d get a loan, but they went the extra mile to get me a great deal.
David Michaels
starstrust
Used this site and had approval within…
Used this site and had approval within minutes. Quick and easy to used. Thanks
James
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