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Cheap Car Finance

Cheap Car Finance
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Cheap Car Finance

Here at U Car Finance, our aim is to get you the most competitive rates for your car finance, relative to your personal circumstances from our carefully selected panel of lenders as well as a stock of 1000’s of vehicles from reputable dealers across the UK. We know getting a vehicle on finance can be a daunting prospect, here at U Car Finance we do all the legwork for you, we have over 100 financial products to suit your Car Finance needs, using our three step process, and you can be approved for car finance within minutes. Our aim is to help you secure low rate vehicle finance.

How To Keep Your Monthly Payment Lower

There are numbers of things you can do to lower your monthly repayment, some things like your credit rating and income may take a little longer to improve. However, in the short term, you can lower your monthly repayments by:

  • Put forward an initial deposit, subsequently lowering the overall finance amount.
  • Compare and find the best car financial product to suit your personal needs.
  • Get finance with a shorter term (please note, this will increase the costs of your monthly repayments, but decrease the interest on the amount you have borrowed).
  • Keep a keen eye out for low cost used cars listed in your account area.

Credit Score?

Banks and lenders look at an individual’s Credit Score when it comes to lending to an individual to purchase a vehicle or borrow in general, and your credit rating usually indicates how reputable you are when it comes to paying back loan/finance. Banks and lenders do this by looking at your history and individual behavior and patterns when it comes to making repayments, if you have¬† made payments on time, if you have missed any payments, do you have a steady flow of income and if you are likely to make the repayments on the loan/finance etc. By calculating these factors, banks and lenders can calculate their exposure factor, and based on the exposure factor; they are able to predetermine if you would make the repayment on time or unlikely to make the repayments at all, this allows banks and lenders to charge a predetermined interest rate.

How Will My Credit Score Impact My Finance Agreement?

If you have an above average credit rating (Good or Excellent), your application is likely to be approved by a lender; you are also likely to get a lower interest rate on any amount you borrow, subsequently meaning lower monthly repayments. On the other hand, a below average or poor credit rating may incur a higher rate of interest on your finance agreement. You may also find it difficult getting approved. To counter this, we would suggest that you consider putting forward an initial deposit on the loan. At U Car Finance we offer competitive rates of Interest (ROI), and we consider all our applicants on an individual case by case basis, this way we can take all small personal factors into consideration when making a decision.

Here at U Car Finance, we have we have over 100 financial products to suit your car finance needs. Our aim is to help you secure low rate vehicle finance. We aim to get you the most competitive rates for your Car Finance, relative to your circumstances from our carefully selected panel of lenders. Use our finance calculator to see what You Could Borrow Today; our finance calculator can give an idea on the monthly payments based on your credit rating.

You can call 0330 445 5505 and talk to one of our friendly members of staff who will help you with any queries.

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U Car FInance
U Car Finance is one of the leading UK Car Finance Brokers, we are dedicated to giving our customers the best service as possible. We accept people who have been refused elsewhere, people with good credit, bad credit and people with no credit history at all.

Our Address

U Car Finance
208 Victoria Street (Ground Floor)
Oldham, OL9 0DA
United Kingdom

Opening Times
Mon-Fri: 9.00 am - 7.00 pm
Saturday: 9.00 am - 5.00 pm
Sunday: Closed

Our Contact Infomation

Contact us if you have any questions.

Click Here For Contact Form
Phone : 0330 223 4384
Email :

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