Compare vehicle financing options, APR ranges, and lender requirements with a clear dashboard built for smarter car-buying decisions.
APR Range
99.9–1333.0%
Lending Stream
This is high-cost credit — only consider it as a genuine last resort when you've exhausted all other options including credit unions.
APR Range
6.7–36.4%
Novuna Personal Finance
Novuna Personal Finance offers flexible personal loans with competitive rates, ideal for those seeking straightforward borrowing options without penalties for early repayment.
APR Range
4.9–14.9%
Novuna (Hitachi)
Strong option for home improvements with competitive rates and longer terms up to 10 years. Well-established in the UK retail finance space.
APR Range
18.0–49.9%
iwoca
iwoca offers flexible business loans that cater to a range of financial needs, making it a solid option for small to medium-sized enterprises.
APR Range
4.9–19.9%
Black Horse
Black Horse Car Finance offers a wide range of loan options, making it a strong contender for those looking to finance a vehicle.
APR Range
5.5–19.9%
Nationwide
Nationwide provides a personal loan experience with fixed repayments, ideal for existing members. However, approval is limited to those with good credit, which may exclude potential borrowers.
APR Range
9.9%
Tide Business Loans provide quick approval times, making them for urgent funding needs. However, the minimum APR of 9.9% can be steep for long-term borrowing.
APR Range
8.9–49.9%
Zuto
Zuto Car Finance is a solid choice for those seeking flexible car finance options with quick approval times.
APR Range
24.9–69.9%
Ocean Finance
Ocean Finance offers a range of personal loans with flexible terms, but high APR rates may deter some borrowers.
APR Range
6.9–29.9%
Funding Circle
Funding Circle offers quick and flexible business loans tailored for UK SMEs, with a straightforward online application process.
APR Range
7.9–29.9%
Oodle Car Finance
Oodle Car Finance offers a straightforward approach to car finance, particularly for those with a decent credit history.
APR Range
5.9–34.9%
Zopa
Excellent user experience and transparent eligibility checker. Rates can be very competitive for good credit scores but balloon for weaker profiles.
APR Range
5.9–24.9%
Close Brothers Motor Finance
Close Brothers Motor Finance provides a straightforward solution for those seeking car finance with flexible terms and competitive rates.
APR Range
9.9–69.9%
Bamboo
Bamboo provides rapid loan approvals, ideal for those needing immediate access to funds. However, the high APR range means it can be costly for long-term borrowing, particularly for lower credit scores.
APR Range
8.9–47.0%
CarFinance 247
CarFinance 247 provides quick access to a wide range of auto loans, but high APRs may deter some borrowers.
APR Range
39.9–299.8%
Everyday Loans
Everyday Loans offers a viable option for those with less-than-perfect credit seeking personal loans. However, the high APR rates warrant careful consideration.
APR Range
12.9–69.9%
Moneybarn
Moneybarn provides a viable option for those with less-than-perfect credit looking for car finance. Their understanding of specialist lending can ease access for many drivers.
APR Range
7.9–45.9%
Admiral
Admiral's personal loans provide a competitive interest rate for borrowers needing flexible amounts, but the maximum APR of 45.9% makes it less with lower credit ratings. Quick approval and funding are strong points for those in urgent need of cash.
APR Range
5.9–24.9%
MotoNovo Finance
MotoNovo Finance is a solid choice for those looking for flexible car finance options with quick approvals.
APR Range
8.9–24.9%
Starling Bank
Convenient for small, quick borrowing through the app — but limited to £5k max, which rules it out for bigger needs.