Fast, Hassle-Free Car Finance — Apply Online Today!

Get a Decision inJust One Hour!

Check your eligibility with no initial impact on your credit score. Get a free finance check and drive away the same day with Multi Car Finance.

Start Application Check Eligibility (No Credit Impact)

Soft search only
No initial impact on your credit score
Takes ~60 seconds

Representative Example:Hire Purchase agreement, cash price £6,000.00. Customer deposit £0. Total amount of credit £6,000.00. Duration 60 months. Representative APR 12.9%. Fixed interest rate 6.81% per annum. 60 monthly payments of £134.06. Option to purchase fee £1.00. Total amount payable £8,044.60. Total charge for credit £2,044.60. We act as a credit broker, not a lender.

Apply Now

Get your free finance check

Takes about 60 seconds. Soft search only — no initial impact on your credit score.

Client finance application form will be embedded here

Representative Example:Hire Purchase agreement, cash price £6,000.00. Customer deposit £0. Total amount of credit £6,000.00. Duration 60 months. Representative APR 12.9%. Fixed interest rate 6.81% per annum. 60 monthly payments of £134.06. Option to purchase fee £1.00. Total amount payable £8,044.60. Total charge for credit £2,044.60. We act as a credit broker, not a lender.

Soft search only · No initial impact on your credit score · ~60 seconds

How it works

Three Simple Steps

01

Apply in 60 seconds

Fill out our short online form. Soft search only — no initial impact on your credit score.

02

Decision in about an hour

Our team of specialists matches you with the right lender from our UK panel.

03

Drive away, same day

Choose any car from any UK dealer. Same-day drive-away and nationwide delivery.

Why Multi Car Finance

Any car. Any finance. Unlock your wheels.

We work with a UK-wide panel of lenders to find you finance that fits — whatever your circumstances.

From £99 / month

Affordable monthly payments to suit your budget.

All credit histories welcome

Bad credit, no credit, CCJs and defaults all considered.

Soft search, no footprint

Check your eligibility with no initial impact on your credit score.

Nationwide delivery

Any car, any UK dealer — delivered to your door.

1-hour decisions

Most applicants get a decision within about an hour.

FCA-authorised broker

Regulated by the Financial Conduct Authority for your protection.

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FCA authorised

Regulated broker · consumer protection built in

Manchester based

Real UK team · nationwide delivery

Frequently asked

The quick answers.

Will applying affect my credit score?

No. We use a soft search to check your eligibility — this is only visible to you and has no initial impact on your credit score.

Can I get finance with bad credit?

Yes. All credit histories are considered, including CCJs, defaults and low scores. We work with lenders who specialise in every kind of situation.

How quickly will I get a decision?

Most applicants receive a decision within about an hour during working hours.

How much does car finance cost?

Plans start from around £99/month. Your actual quote depends on the car, term, deposit and your circumstances.

Which cars can I choose from?

Any car from any reputable UK dealer. Once approved, we help you source and deliver it nationwide.