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Get the latest car finance deals with low apr

  • Reduce the cost of your APR with GetCarFinanceHere
  • Pay less for your monthly instalments
  • Browse deals for a huge range of manufacturers!

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Estimated loan amount £4,652With a £500 Deposit


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What is APR on a car loan?

APR stands for Annual Percentage Rate. It refers to the interest that you pay annually on a car loan and is normally added to your monthly direct debit or standing order. As you pay off the annual interest in small amounts spread over the year, with low APR car finance it is unlikely to have a significant impact on the affordability of your monthly payments.

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What our customers say

How can I make repayments as low as possible?

The experts at Get Car Finance Here have put together 5 top tips to help you obtain the lowest rates of interest.

1. Get proof of income

As previously mentioned, we look for finance deals based on your current finances, so proof of income is desirable. By providing a pay slip, tax return or other legal document that confirms your income, you have a greater chance of securing a better interest rate.

2. Check your credit score

Another thing that can influence your APR when looking for a car finance deal is your credit report. Use credit reports to check your credit score and take steps to improve your score.

3. Lower car loan terms with less months

Choosing a shorter loan period (eg around thirty-six months) may mean larger monthly instalments, but the cost of your loan will reduce overall. Not limiting your options to one car and comparing multiple vehicles can also put you at an advantage; APR rates will also depend on the type of car (for example a Vauxhall is more likely to have a lower APR than a Mercedes).

4. Find a credible guarantor

Adding a guarantor who has a strong credit score to your car finance deal can significantly reduce the interest rate you pay. A guarantor is someone who signs to agree that they will meet payments on the loan if you can’t. You can choose a family member or close friend to be your guarantor.

5. Part exchange

If you are looking to upgrade your current car with Get Car Finance Here, consider part-exchange as an alternative to a lump sum deposit. Our team will value your current vehicle and can use it as a down-payment. The bigger the initial deposit, whether it be cash or car, the likelihood of your APR being reduced increases.

What if I want to pay off my outstanding credit early?

APR stands for Annual Percentage Rate. It refers to the interest that you pay annually on a car loan and is normally added to your monthly direct debit or standing order. Due to the fact you pay off the interest rate in smaller amounts, it is unlikely to make too much of an impact to your month to month payments.

  • Refinance: Not only can refinancing your loan help you make your repayments lower, it can also help you negotiate a new monthly payment and pay-off date.
  • Pay more: make extra payments every year, either one large lump sum or round your monthly payments up to the nearest £100

Will I be credit checked?

When you take out a car loan, your credit score will be checked. However, with GCFH, this won’t dictate whether or not you will be accepted! We can offer an affordable car finance solution to suit your circumstances, even if you think your credit score is bad. Visit our tailored packages on bad credit car finance options and see how we can help you.

What is the lowest APR car finance available to me?

At Get Car Finance Here, we work out the APR based on several factors, however there are steps that you can take to try and improve your credit score before purchasing a car with us. If you have a bad credit report or don’t have time to increase your rating then don’t worry, as GCFH still offer finance packages based off your current financial situation, not your past! The lowest rate of finance on car loans is dependent on several factors which we have outlined on this page. Weigh up your options and learn about the available finance types you can apply for with GCFH:

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So, if you are looking for Guaranteed Car Finance with no credit check then you are in the right place! Apply now for an immediate decision.

For any other information, you can chat to us by clicking on the speech below, or please call us on 01282 544532