Virgin Money Car Loan: Clear, Confident Car Finance

Flexible loans with fixed payments — get your next car without the guesswork.

Buying a car is a big moment — whether it’s your first, a much-needed upgrade, or just something more fuel-efficient. The Virgin Money Car Loan helps you make that move without the pressure of paying everything upfront. You borrow what you need, choose how long you’d like to repay, and get fixed payments you can plan around.

It’s simple to check your rate, apply online, and — if approved — have the money in your account before you know it. No stress, no drama. Just a fair way to finance your next set of wheels.

💡 Why Choose a Virgin Money Car Loan?

The Virgin Money Car Loan gives you the flexibility to finance your next vehicle in a way that fits your life — and your budget. You can borrow from £1,000 to £25,000, with repayment terms from 1 to 5 years, and fixed interest rates to keep things predictable. The representative APR starts at 6.3%, but your final rate depends on your credit profile and the amount you borrow.

You’ll get a personalised quote online with no impact on your credit score, and the loan calculator helps you fine-tune how much to borrow and how long for. Want to adjust your payments? You can — and there are no fees for paying early.

If you’re already a Virgin Money customer, you may be eligible to borrow more over a longer term. It’s fast, fair, and built around real-world budgets. Whether buying from a dealer or a private seller, this loan gives you the freedom to buy your car your way.

🚘 What Makes It Worth Considering Virgin Money Car Loan?

• Borrow from £1,000 to £25,000
• Pay it back over 1 to 5 years
• Fixed interest rates from 6.3% to 28.9% APR
• Get your personalised rate without affecting your credit score
• No fees for early repayment
• Use the loan to buy from dealers or private sellers
• Easy online application, fast decision

📋 Before You Apply, Here’s What You Need

• Be 18 or older and living in the UK for at least 3 years
• Have a UK bank or building society account
• Show evidence of regular income
• Have a good credit history (no CCJs, bankruptcies or decrees)
• Use the online calculator to check affordability
• Your quote is valid only on the day you receive it
• If approved, funds are typically transferred quickly

✅ How the Virgin Money Car Loan Works

1. Go to the Virgin Money site and try the loan calculator
2. Enter your amount and term to preview monthly costs
3. Receive a no-impact personalised quote
4. Complete your online application in a few steps
5. If accepted, funds may arrive the same or next working day
6. Use your loan to purchase your car — from a dealer or private seller
7. Make fixed monthly payments with no unexpected changes

When you click, you will be redirected