Car Finance Made
Really Easy

If your score is excellent we offer some amazing deals from our extensive lending panel. We can provide fantastic rates from only 10.9% APR!

At Really Easy Car Credit we have a huge panel of lenders who cover the whole of the market. We have specialised lenders that are able to help people who have had a chequered past and maybe been declined elsewhere. We are car finance experts and our motto is “If we can’t get you car finance.. No one can!”

Yes we only provide finance for our own range of quality cars

Absolutely! We understand the excitement of getting your first car. If you have a provisional licence, We do have a selection of lenders who finance people with a provisional licence. Provided you're actively working and earning £1200 or more monthly after tax, and have held the provisional licence for three years or less.

Of course! We encourage joint applications for couples sharing the same address. In some cases this can help you buy a more expensive car as lenders take into account both of your incomes for affordability

Certainly! If you're on an Individual Voluntary Arrangement, we require a letter of permission from the IVA company to process your application.

Absolutely! We understand the flexibility of self-employment. If you're self-employed, ensure your income is paid into the bank as lenders don't accept people who can’t prove their income.

Yes, we welcome applications from individuals on benefits.

No, you do not have to pay a deposit. There may be some occasions where your lend limit wouldn’t enable you to finance the car you would like to buy. In these circumstances you would need to have a deposit of the difference. Deposit requirements depend on the approval and car price, and we'll discuss this with you during the application process.

The Annual Percentage Rate (APR) varies and depends on your credit profile. During the application process, we assess each individual's credit profile to provide personalised rates. The better you credit, the lower the APR.