Based on 6928 reviews
A product by First Response Finance
First Response Finance reviews on our site can help you make up your mind as to whether this is the right car finance provider for you. Our community shares their...
Based on 790 reviews
A product by Zopa
Zopa car finance offer two ways to help with a car purchase. Choose from hire purchase where you pay off the cost in equal instalments, or personal contract purchase where...
Based on 3274 reviews
A product by Moneybarn
Looking for a new car finance provider? Read our community reviews of Moneybarn on Smart Money People. People like you share their comments, and experiences on our site in order...
Based on 292 reviews
A product by Zuto
Zuto is a car finance credit broker. Once you’ve filled out the online application, you’ll get a quick decision. Zuto search a panel of lenders to find the best deal for...
At Smart Money People we want to make it easy to compare your financial product options with our approach to rankings.
We use a combination of data from the reviews we receive to calculate our rankings. This includes the 1-5 star ratings given by reviewers, when the reviews were left on our site and other insightful data from the reviews.
It’s important to us that all our rankings are fair and consistent in the way they’re calculated. That’s why every financial product featured on our site is ranked in the same way using our own unique algorithm.
Based on 218 reviews
A product by Blue Motor Finance
Looking for Blue Motor Finance reviews? On Smart Money People, we collect comments, thoughts and experiences from customers, so that you can make better decisions when choosing your next car...
Based on 67 reviews
A product by Close Brothers
Close Brothers offer car finance for both new and used cars, vans and motorbikes across the UK. If you've taken out a car finance policy, you too can leave a...
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Find the top Car Insurance productsFrequently asked questions
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What is car finance?
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Car finance is an agreement that allows you to buy or lease a car and repay the borrowed money over a set period of time. The most common types of car finance are Hire Purchase (HP), Personal Contract Purchase (PCP) and Personal Contract Hire (PCH).
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How does car finance work?
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Car finance is an alternative to buying a car outright which can be expensive. With car finance, you borrow money from a lender to buy or lease a car and agree to repay the amount with interest over a set period, usually 3-5 years. You can pay an initial deposit to lower the amount you borrow and decrease your monthly payments. Depending on your finance type, once your repayment period ends you'll either own your vehicle, make a balloon payment to buy it or you can return the vehicle to the lender.
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Does car finance affect your credit score?
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Yes, buying or leasing using car finance will impact your credit score. During the application process, the lender will run a 'hard check' on you, which will leave a mark on your credit report. But, as long as you stay on top of repayments and settle the amount in full, the overall effect on your credit score should be positive.
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