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One of the many challenges in our financial life is purchasing a new car. If you are like most people, you probably don’t have the cash to spend owning a vehicle outright, or are having second thoughts about using all of your savings.

Having someone else to fund your car purchase can even be harder if you have bad credit. Many people have been rejected or have totally given up trying to replace their old cars because of less than spectacular credit ratings. We can turn this around and help you get a new auto through car financing.

Not everyone who suffers from bad credit got into the situation because of their own fault, and Top Car Finance recognizes it. We believe that regardless of your past financial history, you can afford the repayments and that your credit score shouldn’t get in the way between you and your dream car.

What is Car Financing?

Car financing is one option you would want to consider if you are looking to buy a new car but don’t have the money to pay for it upfront. Just like traditional car loans, car financing allows you to buy a new automobile without having your savings go down the drain. However, unlike car loans, you don’t directly borrow money to pay for the car’s down payment or full price, but rather, a financing company buys the car for you, and you will basically be leasing the car from them by making monthly payments.

Car finance may give you more freedom and flexibility. You can decide about the time period for which to rent the car, after which time you can either make a balloon payment to gain full ownership of the car or trade it in for a new one. Additionally, car financing can have less expensive interest rates, which are typically fixed throughout the duration of the term.

Who is it aimed for?

Everyone has different reasons for wanting to drive an own vehicle instead of using public transport. Perhaps you prefer the convenience it brings, or your line of work involves having to carry lots of things around or visit different places regularly. Having a new car can pretty much impress clients and get to your desired destinations that much faster. Whether it’s your first time buying a car or you want to replace an old vehicle, car financing can help you do this with ease.

Our unbiased service can accommodate each type of borrower. Whether you have low credit score or have no credit history at all, are self-employed or have CCJ, you can trust to find a car financing deal that is reasonably priced despite your credit history.

Please note that if you are ever considering taking out a logbook loan you will not be able to do so until your finance is clear. Considering these loans are not good for most people, this is probably a good thing.

Benefits of Car Financing

Car finance lets you buy your dream car which you otherwise could not afford. This means you won’t have to settle for an old model just to save money. On the contrary, you might just spend more on repairs for a used car, so just let car financing do its job of providing you the vehicle you need.

You will also have a better edge of qualifying for car finance than a standard loan from banks or lending institutions. The most common problem encountered by loan applicants is having poor credit or no credit, but car finance caters to all kinds of credit score, good or bad.

Car finance also gives you the option of either unsecured or secured credit on the car itself, so you don’t have to put your home at risk, unlike in some car loans requiring collaterals. In addition, you’ll often have fixed APR’s so you won’t have to worry about your repayments going up.

Most importantly, car financing allows you to have intact savings. Instead of leaving a huge dent or even draining your bank account, wouldn’t it be nicer to leave your money where it belongs? Car finance allows you to keep your money safe and earning interests while you pay for your brand new car in affordable installments.

How it Works?

Car financing with Top Car Finance involves a very basic and straightforward step-by-step process:

Step 1: Fill in our online form.

Our application form is simple and will only take a few seconds to complete. We will use the information you provide to get in touch with you and to match you with our lenders. There’s no need to worry because your details will be kept confidential.

Step 2: Get approved!

After providing your details, we will search within our database to match you with our top dealers. After a match is made, your application will be reviewed and you will hear about the status of your application within a few hours. Don’t worry if you have bad credit, because there will be an advisor who can assist you throughout the whole process.

Step 3: Get behind the steering wheel!

It’s just a matter of a few days before you can drive away with your new auto! After selecting your vehicle, you can talk to your advisor regarding the repayment terms so you can seal the deal and take your car home.

Why Choose Top Car Finance?

FREE, no obligation advice. There’s absolutely no cost or hidden fees to use our matching service, and you can end it anytime.

Quick and easy access. You don’t have to wait for a long time or repeat the application process all over again. It only takes one form to fill to find yourself choosing from among our recommended dealers.

No harassing calls. All your information submitted will be kept safe and confidential, and you won’t have to worry about unwanted calls bugging you all the time.

Protect your credit. Aside from the fact that you can obtain a financing deal no matter what kind of credit you may have, you can also avoid leaving a huge mark on your credit rating compared to traditional loan applications.

We are confident that we can help you find the best and cheapest financing deal because of our vast network of car dealerships. We only work with the leading companies in UK, so you can ensure a friendly and reliable service not only during your application, but throughout the life of your vehicle.

Drive a Brand New Vehicle Today!

We don’t charge you anything for using our service, so what are you waiting for? Just fill in our simple application form for FREE and instant online decision!

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It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout. The point of using Lorem Ipsum is that it has a more-or-less.

- John Doe (Manager, Envato)

It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout. The point of using Lorem Ipsum is that it has a more-or-less.

- John Doe (Manager, Envato)

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