Car finance
made simple.

To apply for car finance through Bigpage you need to be at least 18 years old, a UK resident, and able to demonstrate a regular income. We work with a wide panel of lenders, so whether you're employed full-time, part-time, self-employed, or retired, we may be able to help. Finance is subject to status and individual circumstances.

Our lenders typically offer between £2,000 and £50,000. Our rates start from 8.9% APR, though the exact rate you're offered depends on your credit history, income, and the loan amount. Use our finance calculator to get an instant estimate based on your credit score band.

• Excellent credit: from 8.9% APR
• Good credit: from 12.9% APR
• Fair credit: from 16.9% APR
• Poor credit: from 22.9% APR

No. When you apply through Bigpage, we initially run a soft credit check only. This is invisible to other lenders and does not affect your credit score. A hard credit search only takes place once you have selected a lender and agreed to proceed — and we'll always tell you before that happens.

A deposit is not required — we offer no-deposit car finance options. However, putting down a deposit reduces the amount you need to borrow, which means lower monthly payments and less interest paid overall. Even a small deposit of £500–£1,000 can make a meaningful difference to your total cost.

Yes, in many cases. We work with specialist lenders on our panel who are experienced in helping people with poor or limited credit history. Having a bad credit score doesn't automatically exclude you — lenders look at your full picture, including income and employment. The rate offered may be higher, but you'll always know the full cost before you commit.

Hire Purchase (HP) spreads the full cost of the car over fixed monthly payments. Once the final payment is made, the car is yours — no final lump sum.

Personal Contract Purchase (PCP) has lower monthly payments because you only pay off the car's depreciation. At the end of the contract you can: hand the car back, pay a final "balloon" payment to keep it, or use any equity towards a new car. PCP is popular for those who like to change their car every few years.

Our online application takes under 2 minutes to complete, and you'll receive an initial decision within 60 seconds. One of our team will then call you to discuss your options. Most customers are driving their new car within 3–5 working days of being approved, though it can often be faster.

Yes. Several lenders on our panel specifically cater for self-employed applicants. You may be asked to provide proof of income such as bank statements, tax returns, or an accountant's letter. The stronger your income record, the better the rates you're likely to be offered. We'll guide you through exactly what documentation is needed.

Your credit score is one of the biggest factors in determining the APR (interest rate) you're offered. A higher credit score signals to lenders that you're a lower risk, resulting in a lower APR and cheaper monthly payments. For example, on a £10,000 loan over 48 months:

• Excellent credit (8.9% APR) ≈ £247/month
• Good credit (12.9% APR) ≈ £267/month
• Fair credit (16.9% APR) ≈ £288/month
• Poor credit (24.9% APR) ≈ £325/month

Both. You can choose a car from our network of over 1,000 approved UK dealerships, or you can bring your own choice from an external dealer. We'll run a free vehicle history check on any car you're considering. The car must be from a VAT-registered dealer — we're unable to finance private sales.

Completely free. We don't charge you anything for using our service. As a credit broker, we receive a commission from the lender if you take out finance — but this never affects the rate you pay. You always receive the same deal you'd get going directly to that lender, with the added benefit of our expert guidance throughout.

Even small improvements to your credit score can lead to a better APR. Here are some quick wins:

• Register on the electoral roll — this is one of the fastest ways to boost your score
• Pay bills on time — set up direct debits to avoid missed payments
• Reduce credit utilisation — aim to use less than 30% of your available credit limit
• Check for errors on your credit report (Experian, Equifax, TransUnion)
• Avoid multiple applications in a short period — each hard search leaves a mark