We make getting vehicle finance a breeze
- Soft credit checks
- Low or poor credit score
- CCJs, Defaults, Self Employed
Carvine is a credit broker, not a lender. We search our panel of lenders to find the most suitable product, and we’ll offer you the most competitive deal that you qualify for. We typically receive a commission, this varies based on product or loan amount however this does not affect the amount you pay. Our rates start from 9.9% APR. The rate you are offered will depend on your individual circumstances. Borrowing £7,500 over 4 years with a representative APR of 24.9%, an annual interest rate of 24.9% (Fixed) and no deposit, the amount repayable would be £238.10 per month, and total cost of credit would be £3,928.80 and the total amount payable would be £11,428.80*
Vehicle finance in 3 easy steps
Apply
It's easy to apply for finance with Carvine. Just use our car finance calculator to see how much you can afford.
Get approved
In most cases, you get an instant answer. We approve people with all types of credit histories and circumstances.
Buy your car
The most exciting part is when you buy your new car. Once your finance is approved you can buy your car from any reputable dealer.
How does our vehicle finance work?
Calculate your finance
Our vehicle finance calculator provides a quick and easy way to see just how cheap a vehicle loan could be. It does not matter whether you have an excellent, good, fair or poor credit history.
It will give you an approximate guide as to how much you’ll be paying each month and over the time period you want.
This means you can feel comfortable that the amount you want to pay for your new car is affordable.
If not, simply tweak the amount you want to borrow to bring your estimated monthly payments to an amount you feel happy with.
We have access to a wide panel of lenders
It’ll only take you a few minutes to complete our online vehicle finance application form, often you will get a decision in minutes.
At Carvine, we specialise in getting finance for those turned down by mainstream lenders including dealerships, banks, other car finance providers and car leasing brokers.
You might just have some missed payments on your credit file or something such as a default or County court judgement.
The lenders that we operate with have a much more open approach and so look at each case individually rather than using a computer to make a decision.
Frequently Asked Questions
Yes, we can help. Please see our bad credit car finance page fo more information.
Yes, please see our taxi finance page to find out more.
We can help with financing an electric car, see this page for more details.
We work with a wide range of lenders and so we are highly likely to be able to match you to a finance company regardless of your financial position. See our guaranteed car finance page.
We can help self employed people finance a vehicle, see our pages for self employed car finance and if you need a van, our page for self employed van finance for more details.
When you apply for car finance with Carvine, we’ll run what’s called a “soft search”, which, although visible to you, isn’t visible to other lenders or finance companies. This type of credit search doesn’t affect your credit score. See our soft search car finance page.
