A Better Chance at Car Finance, Today!

Our online car finance application is quick and easy.
Rates start from as low as 8.9% APR (Representative 25.9% APR). We’ll match you with the best-fit lender for you.

Our application gives you a Better Chance at car finance, because we look at your individual situation, and match you with the lender most likely to say YES.

Apply today, see what you could get.

Better Chance Finance is a credit broker, not a lender. The rate you’re offered will depend on your individual circumstances.

Representative Example: Purchasing a vehicle for £5,000 with £0 deposit. Amount of credit required is £5,000 over 48 months at an interest rate of 15.39% (fixed) would be £168.31 per month. Total cost of credit is £3,078.88 giving a total amount payable of £8,078.88. Representative 25.9% APR

1. Complete the form

We’ll simply ask for some details about you and your situation, and find out what car finance you are looking for.

2. We’ll find your loan

We match that information securely to our panel of lenders, to find the best loan for you.
The lender will then get in touch with you to complete the process.

3. That’s it!

Get the loan and grab the keys to your new set of wheels.
We’d love to see a photo, you can tag us on social media using #bcf

  • Are over 18
  • A UK resident
  • Have a regular income
  • We can help even if you have bad credit

Let’s work it out

You can use this car finance calculator to find out what you’d pay each month.
Best rates are displayed, your circumstances may be different.

£1,000 £20,000
12 months60 months
  • Select your credit history:
Total you will pay:
Interest rate:
Monthly payments:
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Representative APR of 25.9%

How do we give you a Better Chance at car finance?

Better Rates

Better Rates

We search the real-time current loan offers from a panel of lenders, making sure whatever your circumstances and credit rating or history, you’ve got a Better Chance of a lower rate when applying with us.

The rate you’ll be offered will depend on your circumstances.

Better Variety of Lenders

Better Variety of Lenders

Even if you’ve been rejected for finance before, don’t worry, we’ve got access to lenders and their absolute best loan plans, and these aren’t always accessible directly to the public.

Applying is free, and there’s no obligation, so find out today which of our top lenders would give you the best deal.

Better Choice of Car Dealers

Better Choice of Car Dealers

When your loan is approved, you can choose from a wide range of car dealers.

You just go and find your dream car.

Better loans for vans, bikes or anything else

Better loans for vans, bikes or anything else

We’ll help you to find a better finance deal for:

  • Van Finance
  • Classic Car Finance
  • Motorbike Finance
  • Financing balloon payments from a PCP deal
  • Anything else, just ask!

Giving you a Better Chance at finance, even if you’ve got bad credit.

We believe a poor credit history, shouldn’t mean a bleak credit future.

If you’ve got a bad credit history, you’ve probably found it can be tricky to get lenders to lend, and brokers will often steer clear too.

But we believe in a better chance for everyone. Apply with Better Chance Finance, and we’ll look across our panel of lenders to find the best option for your situation – even if in the past you’ve had some problems with credit.

Representative APR 25.9%

Completing your car finance application

Applying is quick and easy, leave the rest to us.

  • Complete the form

    There are some simple, straightforward questions to answer, so we get the basic information we need to give you a better chance at your ideal loan.

  • We’ll find your loan

    We securely send your details to the right lender matched carefully based on your situation, giving you a better chance at the ideal loan for you. The lender selected will then get in touch with you to complete the process.

  • That’s it!

    Now you get to drive off in your new set of wheels.
    We’d love to see a photo, tag us on social media using #bcf

General FAQ

Can I buy a car from anywhere?

When your loan is approved, you can use your car finance at a wide range of reputable car dealers. You just go and find your dream car. We don’t like to restrict your choices, and it only seems fair that you can use your loan and find the car YOU want.

If the car you want is a private sale, you will need a personal loan.

How does it work?

You give us information about yourself, and we use this to find your credit file. We use the information on your credit file to match you with the most suitable lender based on your circumstances.

How long does it take?

We make sure the process is as quick and straightforward as possible, and it only takes a few minutes to complete a form and search our panel of lenders. They can quite often give a decision fairly soon. Each lender though has their own criteria and information required. The more accurate information you can give us the better and will help us to determine how likely you are to get a loan.

I have bad credit, can you help?

Many customers come to us knowing we can offer a better chance of getting a loan or mortgage, regardless of credit history. We work with a wide range of lenders in each area who each specialise in helping people in different circumstances. This means we can help find you the deals that best suit you and your situation.

What are ‘hard’ and ‘soft’ credit searches?

Firstly, let’s explain a little about how credit files and scores work: Credit rating agencies build up files on all of us based on a mix of publicly available information (such as whether you’re on the Electoral Roll) and data from financial companies about products you have or have had in the past, such as loans and credit cards. From this they calculate a credit score, which companies check when they’re working out whether to give you a product such as a loan, and on what terms.

Managing your finances well and always paying off what you owe on time will help to give you a good score. As you’d expect, missing payments, will lower your score. Every time someone looks at your file, it is recorded as a ‘hard’ or ‘soft’ search. Finance companies often need to make hard searches when you apply to them for a credit product, and each hard search remains on your credit report for two years. This matters because, for many lenders, several hard searches in a short period suggests you might be struggling to get finance, or that you’ve opened several accounts and that might prove difficult to keep on top of.

Soft searches occur when you or someone else looks at your file, but doesn’t complete an actual application.

What can I get finance for?

We can help with loans for; mortgages, secured loans, cars, motorbikes, classic cars, vans and certain lenders can do balloon payment finance. We also have lenders that do personal loans for just about anything.

What is APR?

When you’re searching for loans online you’ll have probably seen the letters APR, as this is information that all lenders have to give when they’re promoting a loan. APR varies from lender to lender, and understanding what it means is really important, as it affects what you’ll be paying back each month.
What does APR stand for?
APR stands for the Annual Percentage Rate of charge. So it’s referring to the interest you’ll be charged each year for having the loan. The interest is worked out so that you’ll pay the same amount each month.
Why is it important to know the APR?
When you know the APR of a loan, you can compare it directly with other loans from different banks, and so it can help you decide which is the best deal.
I’ve seen the term “Representative APR”, what does this mean?
A representative APR, means that at least half of customers receive a rate that is the same as, or lower than, this figure. So, as a general rule you’re looking for a loan with a lower representative APR, as this usually means there’s a better chance that you’ll be paying less than with a higher one.
What does “Personal APR” mean?
When you give a lender your details, they work out what your APR would be on a certain loan, based on your situation and credit history – this is called your “personal APR”, as it’s specifically for you.

Apply for car finance

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Thank you for your application - What happens next?

We’ll pass the details you’ve given us on to one of our trusted teams of lenders, chosen because they best match what you’re looking for.

They’ll be getting in touch soon, so keep an eye on your email and wait for a text, if you don’t hear from them it’s sometimes worth checking your spam folder just in case.

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