Affordable
car finance at
your fingertips
No impact on your credit score
Affordable
car finance at
your fingertips
No impact on your credit score
No deposit
options available*
Choose a car from
any reputable dealer*
Cheapest quote
first time*
We only work with trusted partners
+ many more
Three simple steps for the car you want
Want to know more about how we work? At carloans 365, our mission is to make car finance straightforward and accessible for everyone. Our dedicated team of experts is committed to guiding you through every step of the process, ensuring a smooth and transparent experience.
Get approved
Our car finance experts are here to help – guiding you every step of the way to get a decision in principle as quickly as possible.
Choose the car
Once you're approved, the fun really begins – explore our car search or choose your perfect car from any trusted UK dealership!
Drive away in your new car
It's finally time – you're ready to hit the road! At carloans 365, we're all about making your journey smooth, simple, and exciting from start to finish.
No impact on your credit score
How much can you afford to
spend on a car?
How much can you afford to
spend on a car?
REP APR: 21.4% We act as a broker, not a lender.
Representative Example:
Borrowing £7,500 at a representative APR of 21.4%, annual interest rate (fixed) 21.36%, 47 monthly payments of £196.75 followed by 1 payment of £206.75, total cost of credit is £4,315, total amount payable is £11,815.
carloans 365 is a trading name of HT Finance Ltd. Company Number 11481948 registered address: Statham House, Talbot Road, Old Trafford, M32 0FP. HT Finance Ltd is authorised and regulated by the Financial Conduct Authority, under reference No. 821383 All finance is subject to status, terms and conditions apply. We work with a specific panel of lenders to try to obtain you an approval. We receive a commission for introducing you to parties with whom we work with. This commission is a fixed payment or percentage but can vary by partner. This does not impact the rate you are provided, full information on request. We do not charge a fee for our services.
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Meet the team that
simplifies car finance
At carloans 365, our experienced team specialises in finding car finance options that work for you, no matter your credit history. We understand that every customer's situation is different, and we're here to provide honest, personalised support every step of the way. Whether you're dealing with bad credit or looking for a no-deposit deal, we work closely with our trusted lender partners to help you get a decision in principle and the best deal possible
And we're not doing it alone… Behind the scenes, you might have noticed a certain fluffy little face popping up throughout your journey…
Introducing Miles – our four-wheeled ball of energy who's here to cheer you on, celebrate your progress, and bring a lot of joy to the road ahead. From start to finish, he's rolling alongside you – with encouragement, excitement, and a smile that's hard to miss.
Miles' mission is simple: To go the extra mile, no matter the credit profile.
Frequently Asked
Questions
Our open and honest approach means that your account manager will offer you the best pre-approval rate we manage to obtain for you from the outset. We will not offer your application to the highest bidder and always have your best interests at heart throughout our process.
You can purchase a car from any dealer we class as ‘reputable’. We will conduct any necessary checks on the dealer to make sure they are up to our standards giving you confidence in the vehicle you’re purchasing.
Making an initial enquiry will not leave a hard check on you credit profile. The lender(s) we submit your application to will conduct a ‘soft search’ in order to pre-approve your application. These searches will show on your credit profile but are only visible to you. A ‘hard search’ will only be carried out should you wish to proceed with any quotation provided to show the live credit agreement you have taken out.
All of the lenders we work with offer finance options that require no deposit. Deposits may sometimes be requested. If they are, your account manager will let you and explain the reasons why. Should a deposit not be an option we can always look at other car options.
We are currently able to offer Hire Purchase agreements, most known as HP. Hire Purchase is a loan attached to the vehicle, designed so that you own 100% of your vehicle at the end of your contracted payments (usually subject to a small option to purchase fee). The balance of the loan is paid over the pre-agreed contract length, the most common term for such loans is between 48 & 60 months. We also have other products available such as conditional sale, lease purchase and personal contract purchase. Your dedicated Account Manager will go through all options available to you. (Subject to status)
We work with a panel of lenders who could offer finance for all credit ratings no matter if your credit is bad! Some of which specialise in securing finance for bad credit. These loans can also work as a great way to boost your credit worthiness for when you next apply for finance. Click ‘Get a quote’ and let us work to secure the best finance offer for you.
Of course, once we have found the vehicle you wish to proceed with, we will negotiate a figure for you part-exchange with the dealer you are purchasing your new car from. You can then simply drop your old car off and drive away in your new one.
If your application is straight forward and you have already seen a car you wish to purchase, then you could collect your vehicle the same day (depending on the lender). If you are in a hurry to get in your new car, please let your account manager know and we will do our best to ‘FastTrack’ your application.
Not answered your question? Get in touch on 0161 410 3365!
Ready to finance the car you want?
It takes less than a minute to apply
