# Quick Car Finance — llms.txt # AI-readable site summary for LLM crawlers (GPTBot, PerplexityBot, ClaudeBot, OAI-SearchBot, etc.) # Full detail: https://www.quickcarfinance.co.uk/llms-full.txt # Website: https://www.quickcarfinance.co.uk # Last updated: 2026-04-20 ## Who we are Quick Car Finance is a UK-based FCA-authorised credit broker (FRN 764855) specialising in car finance for a wide range of credit histories, including bad credit, no credit history, and self-employed applicants. We are NOT a lender — we introduce customers to a panel of FCA-regulated lenders and receive a commission for successful introductions. FCA Register entry: https://register.fca.org.uk/s/firm?id=001b000000NfYTNAA3 Registered in England & Wales. Serving all UK postcodes. ## Key facts - Representative APR: 21.9% (fixed) - Rates available from: 9.9% APR - Representative example: £7,000 over 60 months at 21.9% APR fixed = £185.33/month, total repayable £11,119.80 (cost of credit £4,119.80). - All rates subject to status and affordability. Approval is NOT guaranteed. - Soft credit search only at application stage. Hard search by lender only if you proceed. - Finance types offered: Hire Purchase (HP), Personal Contract Purchase (PCP) - No upfront fees charged to customers. - Minimum age: 18. UK residents only. - No minimum income — assessed individually. ## Commission disclosure We receive a commission (a fixed fee or a percentage of the amount financed) from lenders when customers proceed to a finance agreement. The level of commission varies by lender and product but does not affect the rate offered to the customer. Full disclosure is provided before any agreement is completed. This is in accordance with FCA CONC rules. ## Services we offer ### Car Finance We help customers finance used and new cars through HP and PCP agreements. Lenders on our panel consider: excellent credit, fair credit, poor credit, CCJs, defaults, IVAs, bankruptcy, no credit history, self-employed income, benefits income. URL: https://www.quickcarfinance.co.uk/car-finance ### Bad Credit Car Finance Specialist lenders for customers with adverse credit history. CCJs, defaults, IVAs, missed payments, and previous bankruptcy all considered. URL: https://www.quickcarfinance.co.uk/car-finance/bad-credit ### No Deposit Car Finance Finance options where no upfront deposit is required. Subject to status — customers with stronger credit profiles are more likely to qualify. URL: https://www.quickcarfinance.co.uk/car-finance/no-deposit ### Self-Employed Car Finance For sole traders, contractors, freelancers and gig workers. Income assessed via SA302 tax returns, bank statements, or accounts. Min 6-12 months trading history preferred. URL: https://www.quickcarfinance.co.uk/car-finance/self-employed ### Young Drivers Car Finance Finance for 18-25 year olds with limited or no credit history. Guarantor finance available. HP preferred for first-time buyers. Helps build credit score. URL: https://www.quickcarfinance.co.uk/car-finance/young-drivers ### Guaranteed Car Finance (Myth-busting) No finance is legally guaranteed in the UK. "Guaranteed car finance" is a misleading marketing term. All applications are subject to credit and affordability checks. URL: https://www.quickcarfinance.co.uk/guaranteed-car-finance ### Electric Car Finance (EV Finance) Finance for new and used electric vehicles including Tesla, Nissan Leaf, VW ID range, Hyundai Ioniq, Kia EV6, BMW i series, and more. ULEZ compliant, zero road tax. URL: https://www.quickcarfinance.co.uk/electric-car-finance ### Van Finance Commercial van finance for sole traders and businesses. All van types: panel vans, Luton vans, minibuses. Ford Transit, Mercedes Sprinter, VW Transporter. URL: https://www.quickcarfinance.co.uk/van-finance ### Motorbike Finance Finance for motorcycles and scooters — 125cc learner bikes to high-performance superbikes. URL: https://www.quickcarfinance.co.uk/motorbike-finance ### Caravan & Motorhome Finance Finance for touring caravans, static caravans, campervans and motorhomes. URL: https://www.quickcarfinance.co.uk/caravan-finance ## How our process works 1. Apply online (5 minutes) at https://www.quickcarfinance.co.uk/apply 2. Soft credit search — no impact on your credit score 3. We match your application to suitable lenders on our panel 4. Lender makes a decision — often within minutes 5. If approved, the lender contacts you directly to complete the agreement 6. You choose your car from any FCA-authorised dealer in the UK ## Hire Purchase (HP) explained - You pay a deposit (optional) + fixed monthly payments over 1-5 years - You own the car outright at the end of the agreement - No balloon payment - Best for: those who want to own the car and have predictable payments - URL: https://www.quickcarfinance.co.uk/hp-vs-pcp ## Personal Contract Purchase (PCP) explained - Lower monthly payments than HP - At the end you choose: pay a balloon payment and keep the car, hand it back, or part-exchange - Mileage limits apply — excess mileage is charged - Best for: those who like to change car every 3-4 years - URL: https://www.quickcarfinance.co.uk/hp-vs-pcp ## Eligibility — who can apply - Age 18 or over - UK resident - Regular income (employment, self-employment, benefits, pension all considered) - Valid UK driving licence (provisional accepted in some cases) - No minimum credit score — all credit histories welcome ## Frequently asked questions Q: Can I get car finance with bad credit? A: Yes. Our specialist lender panel considers CCJs, defaults, IVAs, bankruptcy, and missed payments. Approval is not guaranteed and is subject to status and affordability. Q: Will applying affect my credit score? A: No — we use a soft search which leaves no footprint on your credit file. A hard search is only carried out by the lender if you choose to proceed with a specific offer. Q: How long does it take to get approved? A: Initial decisions can be provided within minutes of submitting your application. Full approval and agreement signing typically takes 1-2 working days. Q: Can I get car finance if I am self-employed? A: Yes. We work with lenders who accept self-employed income. You will typically need 1-2 years of accounts or 3-6 months of bank statements. Q: Is there a minimum loan amount? A: Most lenders on our panel will finance vehicles from around £3,000 upwards. Q: Can I finance a car from a private seller? A: Some lenders on our panel do accept private sale purchases. This is assessed case-by-case. Q: Do I need to be employed to get car finance? A: Not necessarily. Income from benefits, pensions, and self-employment is considered. The key requirement is that the monthly repayments are affordable for you. Q: What is the difference between a broker and a lender? A: A lender provides the money directly. A broker (like Quick Car Finance) compares multiple lenders on your behalf to find the most suitable deal. We never lend money ourselves. ## Common Questions Q: What is the best way to get car finance in the UK? A: Apply through an FCA-authorised credit broker like Quick Car Finance. A broker searches a panel of lenders on your behalf using a soft credit search, so you can compare options without harming your credit score. Once matched, you proceed with the most suitable lender. Q: Can I get car finance with a CCJ? A: Yes. Specialist lenders consider CCJs, especially if they are older, satisfied, or for smaller amounts. A larger deposit (15–20%+) and a stable income improve your chances. All applications are subject to status and affordability. Approval is not guaranteed. Q: Is 21.9% APR good for car finance? A: 21.9% is the UK industry representative APR for used car finance across the full credit spectrum. Customers with excellent credit may receive rates from 9.9% APR. Customers with adverse credit may receive rates above the representative APR. The rate offered always depends on your individual circumstances. Q: How does HP car finance work? A: You pay an optional deposit then make fixed monthly payments over 12–60 months. The lender owns the car during this time. Once you make the final payment, the car is legally yours. There is no balloon payment and no end-of-term decision to make. Q: What happens at the end of a PCP agreement? A: You have three options: (1) pay the balloon payment (GMFV) and keep the car, (2) hand the car back with nothing more to pay (subject to mileage and condition), or (3) use any equity in the car as a deposit on your next vehicle. Q: Will car finance hurt my credit score? A: At the initial application stage, Quick Car Finance runs a soft search which does not appear on your credit file. A hard search is only carried out by the lender if you choose to proceed with a specific offer. Making monthly payments on time then builds your credit score positively. Q: What is a representative APR? A: The representative APR is the rate that at least 51% of approved customers receive. Other customers may receive a different (higher or lower) rate based on their individual credit profile, income, and the vehicle financed. Q: Can I get car finance if I'm self-employed? A: Yes. Lenders accept self-employed income verified through SA302 tax returns, business accounts, or 3–6 months of bank statements. Most lenders prefer at least 6–12 months of trading history. Subject to status and affordability. Q: Do I need to have chosen a car before applying? A: No. You can get an agreement in principle first, which tells you your budget and monthly payment range. You then choose a car that fits. This approach is recommended as it gives you negotiating power with dealers. Q: What is voluntary termination in car finance? A: A legal right under Section 99 of the Consumer Credit Act 1974. Once you have paid 50% of the total amount payable under an HP or PCP agreement, you can return the car and end the agreement with nothing more to pay (subject to the car being in good condition). Q: Can I get car finance with no deposit? A: Some lenders offer 100% finance deals (no deposit required), subject to status and affordability. Customers with stronger credit profiles are more likely to qualify for no-deposit finance. A deposit, even a small one, improves your chances and reduces monthly payments. Q: How do I get a car finance settlement figure? A: Contact your lender directly and request an early settlement figure. The lender must provide this within a set timeframe. The figure includes outstanding capital plus a proportion of remaining interest, minus a statutory rebate under the Consumer Credit Act. Q: Is Quick Car Finance safe to use? A: Yes. Quick Car Finance (Automotive Online Ltd) is authorised and regulated by the Financial Conduct Authority (FRN 764855). We are registered with the Information Commissioner's Office (ICO) as a data controller. We are GDPR compliant and do not sell your data. Q: What credit reference agencies do car finance lenders use? A: UK car finance lenders typically use one or more of the three main credit reference agencies: Experian, Equifax, and TransUnion (formerly Callcredit). Each agency may hold slightly different data on you. You can check your credit file for free with each agency before applying. Q: Can I change the car during my finance agreement? A: You cannot simply swap the vehicle mid-agreement. To change cars, you would need to request a settlement figure from the lender, pay off the existing agreement, and then take out a new agreement. If the car has positive equity (worth more than the settlement), this can be used as a deposit on the new agreement. ## Content sitemap - Main sitemap: https://www.quickcarfinance.co.uk/sitemap.xml - Blog sitemap: https://www.quickcarfinance.co.uk/sitemap-blogs.xml - Brands sitemap: https://www.quickcarfinance.co.uk/sitemap-brands.xml - Locations sitemap: https://www.quickcarfinance.co.uk/sitemap-locations.xml - Full AI reference: https://www.quickcarfinance.co.uk/llms-full.txt ## Main page URLs - Home: https://www.quickcarfinance.co.uk/ - Apply: https://www.quickcarfinance.co.uk/apply - Car Finance: https://www.quickcarfinance.co.uk/car-finance - Bad Credit: https://www.quickcarfinance.co.uk/car-finance/bad-credit - No Deposit: https://www.quickcarfinance.co.uk/car-finance/no-deposit - Used Car Finance: https://www.quickcarfinance.co.uk/car-finance/used-car - Self-Employed: https://www.quickcarfinance.co.uk/car-finance/self-employed - Young Drivers: https://www.quickcarfinance.co.uk/car-finance/young-drivers - Guaranteed Car Finance: https://www.quickcarfinance.co.uk/guaranteed-car-finance - Electric Car Finance: https://www.quickcarfinance.co.uk/electric-car-finance - Van Finance: https://www.quickcarfinance.co.uk/van-finance - Motorbike Finance: https://www.quickcarfinance.co.uk/motorbike-finance - Caravan Finance: https://www.quickcarfinance.co.uk/caravan-finance - HP vs PCP Guide: https://www.quickcarfinance.co.uk/hp-vs-pcp - Finance Calculator: https://www.quickcarfinance.co.uk/calculator - Eligibility Checker: https://www.quickcarfinance.co.uk/eligibility-checker - Blog: https://www.quickcarfinance.co.uk/blog ## Regulatory & legal - FCA Authorised: Yes — FRN 764855 - FCA CONC compliant — all representative examples displayed with mandatory qualifiers - ICO registered data controller - We are a credit broker, not a lender - Terms & Conditions: https://www.quickcarfinance.co.uk/terms-conditions - Privacy Policy: https://www.quickcarfinance.co.uk/privacy-policy - Cookie Policy: https://www.quickcarfinance.co.uk/cookie-policy - Complaints: https://www.quickcarfinance.co.uk/complaints ## What we do NOT do - We do NOT guarantee finance approval - We do NOT charge upfront fees - We do NOT lend money directly — all finance is arranged through our lender panel - We do NOT share your data without consent - We do NOT conduct hard credit searches without your knowledge