Many buyers start with their own bank. If your credit file is strong, banks can offer competitive interest rates, loyalty perks, and simple approvals with minimal hassle.

Credit unions are a solid alternative if you’re after a more community-based lender. They’re known for fair rates, a flexible approach, and more personalised service compared to larger banks.

Opting for finance directly from the manufacturer often comes with exclusive incentives — from 0% interest deals to discounted rates. Perfect if you’re purchasing a new or nearly new vehicle, these deals typically come as PCP (Personal Contract Purchase) or HP (Hire Purchase) plans.

Digital finance platforms have become a go-to for many buyers. You can check offers from multiple lenders, get quick decisions, and often complete the whole process online — including soft credit checks that won’t hurt your score.

Go Car Credit specialises in helping customers who might struggle to get approved elsewhere. Their focus is on used car finance, offering straightforward agreements designed for people with poor or limited credit history. Instead of relying heavily on your credit score, they look at affordability and your current circumstances.

If you’ve got a clean credit history, a personal loan from banks like Barclays, Santander, or Lloyds can be a smart option. Loans typically range between £1,000 and £50,000, repayable over one to seven years, with fixed monthly payments.

Go Car Credit offers something a bit different — they provide the finance themselves rather than relying on third parties. This is ideal if your credit score isn’t perfect. They focus on affordability, with flexible terms and a process designed to give customers a fair shot at getting on the road.

Web-based lenders such as Zuto, Carmoola, and CarFinance 247 are growing in popularity. You can apply online, compare lenders in one go, and secure finance before visiting a dealership. Soft checks are commonly used, so browsing options won’t dent your credit score.

Planning to buy from a private seller? Some borrowers opt for unsecured personal loans from banks like Tesco Bank or Sainsbury’s Bank. Just be aware — because there’s no collateral (like the car itself), interest rates are generally higher than typical car finance.

Some used car dealers offer in-house financing — often known as “Buy Here Pay Here.” It’s a lifeline if your credit history has a few dents, but it’s worth checking the small print. These deals usually come with higher interest rates, sometimes reaching between 19% and 49.9% APR.