Welcome to Car Loan 4U

Get peace of mind that you've secured finance before you shop for a new car

Car Loan 4U is the UK's Number One Online Car Finance Specialist*. Every member of the team here shares the same vision; to make arranging car finance simple and hassle free. That's why 97% of our customers say they would use us again.

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Can I Get Car Finance?

By working with the most lenders we can help more people. We regularly provide finance to people who:

    • Have a credit history ranging from excellent to bad
    • Are self-employed
    • Don't want a loan secured against other assets like a house
    • Have been declined elsewhere
    • Have no deposit
    • Can finance a balloon payment
    • Want to part-exchange their current vehicle
    • Are younger and need a guarantor
    • Want to finance a more expensive car
    • Want to refinance their current vehicle

To qualify for finance you must:

    • Be 18 or over
    • Have a valid driving license
    • Not be currently declared bankrupt
    • Have lived in the UK for the last 3 years
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We compare over 50 products from 15 lenders, including…

Here are just a few of our finance lenders, meaning we're able to help people in a wide range of circumstances and will work hard to find a solution for you.

Hire Purchase

Graphic of a car
    • Fixed monthly payments
    • Available to a wide range of people covering most circumstances
    • Available for a wide range of vehicles
    • You own the car at the end of the finance with no large final payment

PCP

Diagram showing how pcp finance is split between a deposit, regular installments and a final payment
    • Lower monthly payments
    • Options to buy or return car at end of loan
    • Guaranteed minimum future value
    • Some restrictions on vehicles and mileage
    • Balloon payment needed at the end of the finance
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Responsible Lending – Helping You to Manage Your Money

Getting your finance offer upfront gives you time to consider the rates and monthly payments so you can work out what is affordable for you. You can talk to your advisor or get a rough idea what you can afford, and we advise that you always check which tax band a car is in, and get an insurance estimate too before you buy it.

We're committed to ensuring you can reasonably afford your repayments, and as an FCA regulated broker we base our offer on your credit history and income. We'll always explain all the rates and obligations to you to make sure you can afford it and you're happy with the payments.

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Your Information – Our Promise

We promise to use your information to help you get car finance, and for no other reason. To get you car finance, we might have to use your data to run credit searches, or share it with one of our lenders.

We don't send you junk or spam, but we will use your contact information to update you about the status of your application or to ask you for more information/feedback. We always try to make this relevant, but if you'd prefer not to hear from us again you can opt out anytime.

We don't sell your data to anyone, we only use it ourselves to get you the best car finance deal we can.

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