Car finance made simple

Car finance
made simple

Apply with no impact on your credit score

Get a finance decision in 60 seconds

Browse thousands of cars from trusted dealers

Car finance with
VU Compare

Car finance with VU Compare

VU Compare makes getting car finance online as quick and easy as possible. We can help you to buy the car you want, at the budget you can afford no matter what your credit score.

Through our partners, we have access to a huge panel of car finance lenders. This means you can view and compare hundreds of finance options helping us match you with the best product and lender for your circumstances.

This improves your chances of an acceptance, at a rate you’re happy with.

Finance Calculator

Find out how much you could borrow with our easy calculator. When calculating the cost of running your car, don’t forget to factor in other elements like insurances, servicing, fuel and other running costs you might incur.

monthly repayments of

Typical rate
% APR*
Loan Amount
Total Payable
*for illustration purposes only

Representative example: Annual Interest Rate (fixed) 10.9% p.a., with a representative 10.9% APR, total amount of credit £10,000, deposit of £0, repaying over 59 monthly payments of £216.93 followed by 1 payment of £226.93, total cost of credit is £3025.80*, total amount payable is £13,025.80.

*The representative example includes an estimated option to purchase fee of £10. This is subject to status and although fees may vary in amount and when payable, the total cost of credit and APR received will not alter.

Provided by Evolution Funding Limited, who are authorised for credit brokerage by the Financial Conduct Authority FRN 823324.

Why Choose
VU Compare?

Why Choose VU Compare?

No Impact On Your Credit Score

Car Finance from 6.9% APR

Instant Online Decision

Choose Any Dealer

Poor Credit Welcome

We'll Help you Find a Car

Cars Available for any Budget

Simple Process

Choose your Car

Drive Away

Car Finance Explained

There are a few options to choose from when financing your car. It all depends on your budget and your lifestyle and what suits you best.

When you take out a car loan you are borrowing money from a lender to cover the cost of your car purchase. You will pay the lender back each month for the money you borrowed including the interest. You can get car finance for both brand new and/or used cars.

There are three types of finance:

Which one is right for you?

Check out our handy comparison chart, or find out more about different finance options.

Finance Features Personal Loan Personal Contract Purchase (PCP) Hire Purchase (HP)
Fixed Monthly Payments
Secured Against Car
Vehicle Support
Final Balloon Payment
No Excess Mileage Charge
Own Car at End of Agreement Optional
Initial Deposit Optional Optional


Your eligibility depends on your credit rating. The better your credit rating, the more chance you’ll have of being accepted for a loan or securing a better deal. It’s important to consider what you can afford and budget accordingly to factor in any monthly repayments and the costs of running your new vehicle. If you have a lower credit rating, you may still be able to secure a deal, but it might include higher monthly repayments or interest rates.

Who owns the car will depend on the agreement. For hire purchase (HP) and personal contract purchase (PCP), the lender owns the car until you make the final payment (or balloon payment for PCP). With a personal loan, you own the car from day one.

There is no credit rating limit, but the better your score, the more likely you’ll get approved at a lower rate.

If you’re looking for initial quotes, no. When you apply with VU Compare, we run an initial assessment of your credit file and check this against our lenders’ criteria to see if you’re going to be eligible. This is what’s known as a ‘soft search’, and it won’t appear on your records or impact your credit score in any way. It’s then up to you which deal you choose to apply for – if at all. Once the application’s made and you’ve consented, the lender will need to perform a full credit search, and this will be noted on your credit history. But this never happens without your consent.

Yes, just because your credit history isn’t perfect doesn’t mean lenders will turn you away. At VU Compare we've been helping customers get on the road for over 15 years and work with a large panel of lenders, some of whom specialise in bad credit car finance.

A finance broker helps customers find finance deals – it doesn’t lend any money itself. At VU Compare, we work with a large panel of lenders and we share their finance offers with you.

Any charges we incur are covered by the fees we receive from the lenders for arranging your finance with them. This means we can offer our services to you totally free of charge.

Our panel of lenders will finance cars, motorcycles, vans and touring caravans. If you don’t have a car in mind, but you’ve already been pre-approved for finance, you can use the stock search tool in My VU Compare, your online account area. This allows you to search for cars that you think you might like to buy from any reputable dealer. When you find something, you can add it to your shortlist and we’ll carry out the vehicle checks and provide a finance quote specifically for that car.

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