We're here to help people improve their everyday lives by getting you the exhilaration of the car you really want.

We're changing car finance

CarsAutoFinance was established in 1998 and has been working locally in the UK since 1998, and now we provide global services online. CarsAutoFinance is the UK’s leading lender of specialist car finance. We’re experts in approving customers for finance when they might have otherwise struggled to get an approval because we think our customers should have a finance agreement that is suited to their monthly budget and financial situation. Having a poor credit score does not alter the need for a person to have a reliable car to help them get to work and to enable them to live their lives.

We're doing things differently. We don't believe car finance should be complicated, confusing or cloaked in mystery. That's why we're lifting the lid and putting you in the driving seat. We'll tell it to you straight, be honest about your options, and give you the tools you need to get the right car for you.

Whether it's getting the school run sorted, that big boot for the big shop, or the car you're proud to park outside the office, we've helped people enjoy the thrill of being back on the open road. And the freedom that comes with it, the feeling of a new car.

Helping to improve people's everyday lives doesn't just mean our customers, it extends to our community too. That's why we've teamed up with local charities and organizations to offer them support through fundraising, volunteering, and sponsorship


Motorists Served


In Vehicle Transactions

Meet the Team

We are proud of our great team. He is one of the most motivated and passionate people we have, always ready and willing to help when needed.

Lee Craig Hodson

CEO Founder

Frederick Charles Bartram

Vice President

Stewart Anthony Bowen

Chief Financial Officer

Fang Leng

Backend and Blockchain Developer

Ryan Marsden


Jordan Collier


Thomas Fletcher

Head of Customer Support

Kiera Carter

Senior Legal Counsel

Do you think a loan needs too much effort ?

Getting a loan was never this easy

Get instant personal loans for new and used cars

  • Instant loans

  • Quick Approvals & Disbursals

  • Easy Collection of Documents

  • Affordable EMI plans

  • One-click subsequent loans

  • Zero Credit History

Car Finance Calculator

Calculate car loans
without the headache

The car finance calculator is a great place to start your car buying journey. Find out what your monthly car loan repayments might look like and how you can get car finance below.

Car Price

Term (months)

Assuming your credit profile is:

Estimate your
monthly payment


Loan amount

$ 25,500

Down payment

$ 4,500

APR starts at


Apply Instant Loan No impact on your credit score

How Our System Works

Car finance without
the headache

Through our simple 4-step process you'll get a great finance option. And the best part? We do the hard work for you. We can help you find the perfect car for your budget, and if you find a car yourself we'll check the dealer so you can buy with confidence.

Step 1

Find a car & apply online

Choose a car from a dealership and complete your car loan application at CarsAutoFinance. Checking your rate will not affect your credit score.

Step 2

Get approved in principle

Get approved (in as little as one business day). Upload the required documents and e-sign the loan agreement.

Step 3

Choose a car

If you need help finding the right one, you can browse over 400,000 cars on our car search, all sold by trusted dealers.

Step 4

Sign the documents and drive away!

Make a down payment and pick up your car from the dealership!

Our Partners

We only work with trusted partners

Frequently Asked Questions

If you havent found an answer to your question, contact us

Your financial situation and the purchase and running cost of the car will have an impact on how much you can borrow. At Peoples Choice, We offer Loan from $5,000 and up to $100,000.

On average, a car loan takes one to two days to process until you approving. This response will be affected by factors such as your credit history, timely provision of sufficient documents, verification of your identity, and details of your citizenship or permanent residency.

Yes, It’s a lot easier than you might think you can still get Loan with Bad Credit! At CarsAutoFinance, our team of experts are always ready to work with you to develop a customized financing solution that suits your needs.

At CarsAutoFinance, once your finance approving in principle, you’re free to choose a vehicle from any reputable dealership. Choosing a car from a reputable dealer means that you’re more likely to have a positive experience due to our stringent checks. To make it easier to search for your new wheels, we have our own online used car search, where you can browse more than 400,000 cars from trusted dealers in the UK and the EU. Once you’ve applied online - with no impact on your credit score - you can explore our car search to find the right wheels for you.

In general, we will need to see proof of identity, driving license, proof of income, and proof of address. It doesn’t matter whether you live in England or any other territory – the documents that youll need to secure car finance will be broadly the same.

At CarsAutoFinance, we are happy to say that age is really just a number. Although you do need to be at least 18 years old to apply for a car loan, we can usually help young people get loans-even those with poor credit. Dont worry if you’re an older driver either. Perhaps you’retiring, or a pensioner – we can help people with circumstances like yours too.

You can finance any car that is less than 5 years old. For example, if you want to finance a car in 2021, you can only buy or import cars manufactured in 2016, 2017, 2018, 2019, and 2020.

Let's get you started

Applying with us only takes a couple of minutes and won't affect your credit score