Finance Specialists

Apply Now

Secure your perfect vehicle in four easy steps when you apply for car finance with us!


To apply for car finance, simply fill out our online form, providing us with some basic personal details. We will explore the available options and match you to the right car finance lender from our specialist panel.

Representative Example

Borrowing £10,000 over 60 month with a representative APR of 9.1%, an annual interest rate of 4.75% (Fixed) and a deposit of £1,000.00, the amount payable would be £185.62 per month, with a total cost of credit of £2,237.50 and a total amount payable of £12,237.50. - Based on an excellent credit rating.


Finance is subject to status. Terms and conditions apply. Applicants must be 18 or over. Guarantees / indemnities may be required.

*The Acceptance & Option fees that may apply can vary from time to time and from lender to lender, fees are already accounted for within the payments displayed and are also included within the total amount payable.

Receive Approval

Your personal car finance advisor will provide you with a free, no-obligation quote. At Instant Car Finance, we can give you a decision within minutes!

Choose Your Car

Once your car finance application has been approved, you'll be able to choose the perfect model from a range of hundreds of great cars.

Drive Away!

When you've found the right vehicle and the best car finance deal, all that will be left to do is sign the paperwork and pick up the keys. When you apply for car finance with us, you could be driving away in your new car the same day!

Can I Apply for Car Finance?

At Instant Car Finance, we have a full panel of funders, which enables us to offer car finance for good and bad credit. We also specialise in helping people with circumstances that can make gaining approval for car finance difficult. We may be able to help you secure a deal even if you:

  • have bad credit
  • have been previously declined
  • are self employed
  • are on income support
  • are under 21
  • are over 50
  • live in Northern Ireland
  • have a European licence
  • have a provisional licence
  • are unable to put down a deposit
  • are in the armed forces
  • are a taxi driver

Whatever your personal situation, you can apply for car finance with us! Our dedicated team will be here to guide you through every step.

Complete our online application form to get started!