Car finance in Cardiff

Car finance in Cardiff

Are you looking for a reliable car to get around? You could join the thousands of customers up and down the UK get car finance, including in Cardiff and Wales, who we’ve helped get finance.

How to get car finance in Cardiff

Car finance could help you spread the cost of a new car over an agreed time period, with our agreements ranging from 36 to 60 months. It is where you borrow money, and we pay the dealership for you. Once you’ve made your final monthly repayment, you’ll fully own the car.

To get car finance you’ll need:

  • Monthly earnings over £1,000 (after tax)
  • To be aged between 20 and 75
  • A full valid UK driving licence
  • 2 consecutive months of payslips

Try out our car finance calculator. Play around with it to see what your agreement might look like.

Are you looking for a reliable car to get around? You could join the thousands of customers up and down the UK get car finance, including in Cardiff and Wales, who we’ve helped get finance.

How to get car finance in Cardiff

Car finance could help you spread the cost of a new car over an agreed time period, with our agreements ranging from 36 to 60 months. It is where you borrow money, and we pay the dealership for you. Once you’ve made your final monthly repayment, you’ll fully own the car.

To get car finance you’ll need:

  • Monthly earnings over £1,000 (after tax)
  • To be aged between 20 and 75
  • A full valid UK driving licence
  • 2 consecutive months of payslips

Try out our car finance calculator. Play around with it to see what your agreement might look like.

Car finance with bad credit in Cardiff

We’re specialists in bad credit car finance. Even if you’ve been refused car finance by other lenders, or because you have a CCJ or IVA. We understand that your credit score doesn’t change the fact you need a car to get around.

If you’re looking for car finance with bad credit in Cardiff and don’t know where to start, try our car finance calculator below. This will give you a clear idea of what your car finance could look like, depending on how much you are looking to borrow and over the repayment term that suits you.

If you’re ready, you can get a quote today. It only takes 5 minutes to fill out our online form, and if you’d rather apply over the phone then you can just leave your contact details and we’ll call you back at a time that suits you.

Used cars on finance in Cardiff

Car finance with bad credit in Cardiff

We’re specialists in bad credit car finance. Even if you’ve been refused car finance by other lenders, or because you have a CCJ or IVA. We understand that your credit score doesn’t change the fact you need a car to get around.

If you’re looking for car finance with bad credit in Cardiff and don’t know where to start, try our car finance calculator below. This will give you a clear idea of what your car finance could look like, depending on how much you are looking to borrow and over the repayment term that suits you.

If you’re ready, you can get a quote today. It only takes 5 minutes to fill out our online form, and if you’d rather apply over the phone then you can just leave your contact details and we’ll call you back at a time that suits you.

Used cars on finance in Cardiff

We can provide finance for cars that meet our lending criteria.

When you’re looking for a car in Cardiff, make sure it meets our lending criteria:

  • Valued between £4,000-£35,000
  • Up to 120,000 miles on the clock
  • No more than 15 years old by the end of the agreement

Below are some examples of cars for sale in Cardiff that we could finance. They’re from reputable dealerships we trust.

If you still aren’t sure which car you’d like to finance, don’t worry. Our friendly experts will be able to help you search for the car you need.

We have over 30 years of experience helping people up and down the UK get the vehicle finance they need.

We use a soft credit check at the point of application, which doesn’t affect your credit score. Get a quote in less than 5 minutes today and let us help you onto a better road ahead.

We can provide finance for cars that meet our lending criteria.

When you’re looking for a car in Cardiff, make sure it meets our lending criteria:

  • Valued between £4,000-£35,000
  • Up to 120,000 miles on the clock
  • No more than 15 years old by the end of the agreement

To the right are some examples of cars for sale in Cardiff that we could finance. They’re from reputable dealerships we trust.

If you still aren’t sure which car you’d like to finance, don’t worry. Our friendly experts will be able to help you search for the car you need.

We have over 30 years of experience helping people up and down the UK get the vehicle finance they need.

We use a soft credit check at the point of application, which doesn’t affect your credit score. Get a quote in less than 5 minutes today and let us help you onto a better road ahead.

Cardiff car finance calculator

Summary

  • Monthly payment: £000.00
  • Total to repay: £00,000.00
  • Calculated APR: 00.0%

Representative 30.5% APR

Cardiff car finance calculator

  • Monthly payment: £000.00
  • Total to repay: £00,000.00
  • Calculated APR: 00.0%

Representative 30.5% APR

Can I get guaranteed car finance in Cardiff?

No, unfortunately guaranteed car finance is a myth even if you have bad credit – it doesn’t exist. No responsible dealer or lender in Cardiff will be able to guarantee you any type of finance without running the appropriate affordability and credit checks. Only once they have done these checks will they be able to tell you for definite that you can get car finance.

If you are looking for car finance in Cardiff with bad credit, a specialist lender like Moneybarn may be able to help.

Can I get car finance in Cardiff with no deposit?

Whether or not you can get no deposit car finance depends on a number of factors. These include affordability and credit history.

You may be able to get car finance with no deposit, however some of our agreements may require a deposit. We’ve written a guide explaining the pros and cons of getting car finance with no deposit so you can make an informed decision.

What to know about driving in Cardiff

Cardiff is the capital city of Wales and therefore you see lots of congestion throughout the day. In 2021 TomTom’s Traffic Index ranked Cardiff as the 100th most congested place in Europe, with 55 hours being lost every year to congestion.

As with any city you are best travelling out of rush hour traffic, and you can save yourself a lot of time traveling before 7am, between 10am and 2pm and after 7pm. If this is not possible we would suggest to plan your route, and where you can, stick to the major routes to avoid most of the congestion.

Why apply for finance with Moneybarn?

As the UK’s leading lender of specialist car, van and motorbike finance, we help thousands of drivers every month move past their credit score. We aim to make financing a vehicle as simple and seamless as possible. We offer a Conditional Sale agreement, which means you’ll legally own the car once you make your final repayment.

Our hard work has earned us many major industry awards over the years. Our most recent 2023 awards include ‘Vehicle Finance Provider of the Year’ at the MoneyAge National Credit Awards, ‘Subprime Lender of the Year’ at the Motor Finance Europe Awards, and highly commended for ‘Finance Provider of the Year (subprime)’ at the Car Dealer Magazine Power awards. 

Can I get guaranteed car finance in Cardiff?

No, unfortunately guaranteed car finance is a myth even if you have bad credit – it doesn’t exist. No responsible dealer or lender in Cardiff will be able to guarantee you any type of finance without running the appropriate affordability and credit checks. Only once they have done these checks will they be able to tell you for definite that you can get car finance.

If you are looking for car finance in Cardiff with bad credit, a specialist lender like Moneybarn may be able to help.

Can I get car finance in Cardiff with no deposit?

Whether or not you can get no deposit car finance depends on a number of factors. These include affordability and credit history.

You may be able to get car finance with no deposit, however some of our agreements may require a deposit. We’ve written a guide explaining the pros and cons of getting car finance with no deposit so you can make an informed decision.

What to know about driving in Cardiff

Cardiff is the capital city of Wales and therefore you see lots of congestion throughout the day. In 2021 TomTom’s Traffic Index ranked Cardiff as the 100th most congested place in Europe, with 55 hours being lost every year to congestion.

As with any city you are best travelling out of rush hour traffic, and you can save yourself a lot of time traveling before 7am, between 10am and 2pm and after 7pm. If this is not possible we would suggest to plan your route, and where you can, stick to the major routes to avoid most of the congestion.

Why apply for finance with Moneybarn?

As the UK’s leading lender of specialist car, van and motorbike finance, we help thousands of drivers every month move past their credit score. We aim to make financing a vehicle as simple and seamless as possible. We offer a Conditional Sale agreement, which means you’ll legally own the car once you make your final repayment.

Our hard work has earned us many major industry awards over the years. Our most recent 2023 awards include ‘Vehicle Finance Provider of the Year’ at the MoneyAge National Credit Awards, ‘Subprime Lender of the Year’ at the Motor Finance Europe Awards, and highly commended for ‘Finance Provider of the Year (subprime)’ at the Car Dealer Magazine Power awards. 

FAQs about Cardiff car finance

We have a list of reputable dealers that we work with. Some local dealerships you could use that have positive ratings include:

  • T J Car Sales Limited, Bridgend, CF31 3XX
  • Cardiff Car Warehouse, Penarth Road, CF11 8TW
  • Jeff White Motors, Ninian Park Road, CF11 6NY

Please note that you can apply for car finance in Cardiff from any reputable dealer, not just the above list.

If you don’t know whether the car or dealer fits our lending criteria, don’t worry. Our team can help guide you through the process.

When you get a quote with us, we use a soft search which does not affect your credit score. 

Other lenders might use a hard search at the point of application, so its important to understand the difference between a soft search and a hard search.

When you decide to proceed with the loan, a hard search will be done on your credit file which will affect your credit score.

The most popular car brand financed by our customers in Cardiff is Vauxhall. The second most popular is Ford, and the third most popular is BMW.

If you aren’t sure which car you’d like, don’t worry! We can help guide you through that process.

When you make an application, you’ll need to provide some personal details and information about you and your financial situation. If you wish to enter into an agreement then you would need to provide proof of identification (usually a drivers licence) and proof of income with 2 consecutive months of payslips.

Further documents might be needed as part of our affordability checks. If that is the case then our team will be able to guide you through that process.

If you’re looking to get a used car on finance in Cardiff, we may be able to help as long as it fits our lending criteria.

FAQs about Cardiff car finance

We have a list of reputable dealers that we work with. Some local dealerships you could use that have positive ratings include:

  • T J Car Sales Limited, Bridgend, CF31 3XX
  • Cardiff Car Warehouse, Penarth Road, CF11 8TW
  • Jeff White Motors, Ninian Park Road, CF11 6NY

Please note that you can apply for car finance in Cardiff from any reputable dealer, not just the above list.

If you don’t know whether the car or dealer fits our lending criteria, don’t worry. Our team can help guide you through the process.

When you get a quote with us, we use a soft search which does not affect your credit score. 

Other lenders might use a hard search at the point of application, so its important to understand the difference between a soft search and a hard search.

When you decide to proceed with the loan, a hard search will be done on your credit file which will affect your credit score.

The most popular car brand financed by our customers in Cardiff is Vauxhall. The second most popular is Ford, and the third most popular is BMW.

If you aren’t sure which car you’d like, don’t worry! We can help guide you through that process.

When you make an application, you’ll need to provide some personal details and information about you and your financial situation. If you wish to enter into an agreement then you would need to provide proof of identification (usually a drivers licence) and proof of income with 2 consecutive months of payslips.

Further documents might be needed as part of our affordability checks. If that is the case then our team will be able to guide you through that process.

If you’re looking to get a used car on finance in Cardiff, we may be able to help as long as it fits our lending criteria.

Bad credit? No problem.

If you’ve been suffering with a bad credit history, you’re in good hands. We understand that you still need a reliable car to get to around

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