01
Tell us about you
The application takes about two minutes. Checking your eligibility initially involves a soft credit search, which will not affect your credit score and is not visible to other lenders.
Modern Lending for UK Drivers
Car finance, without the drag.
We search our panel of lenders to identify available finance options and rates for which you may be eligible. Our initial eligibility check takes around 60 seconds and will not affect your credit score, with no obligation and no pushy sales calls.
Independent UK Credit Broking
How it works
Three steps.
Sixty seconds.
02
We check our panel
We search our panel of lenders to identify available finance options and rates for which you may be eligible, ranking options by the total cost of credit.
03
Drive it away
Where approved, funds may be released to the dealer on the same day, subject to the lender's requirements and completion of all necessary checks and documentation.
Finance calculator
Know your number
before you shop.
Estimated monthly payment
£258/mo
APR10.9%
Amount financed£10,000
Total payable£12,383
This estimate is subject to status. An initial soft credit search takes around 60 seconds and will not affect your credit score.
Representative Example
Borrowing £10,000 over 48 months with a representative APR of 10.9%, an annual interest rate of 10.9% (fixed) and a deposit of £0, the monthly payment would be £257.97. The total cost of credit would be £2,382.55, with a total amount payable of £12,382.55.
MotoLend is a credit broker and not a lender. Finance is subject to status; 18+, UK residents only. We work with a panel of lenders and may receive a commission for introducing you. This may be a fixed fee or a percentage of the amount borrowed, which may vary by lender. You have the right to request the amount of commission before entering into the credit agreement.
Finance, your way
Pick the deal shape
that fits your life.
Most popular
PCP
Lower monthlies. Big flexibility at the end.
- The smallest monthly payments
- Hand it back, trade it in or buy it at the end
- Ideal if you change cars every two to four years
HP
Own it outright at the final payment.
- No balloon and no mileage limits
- Fixed payments and a fixed end date
- Ideal if you keep cars a long time or cover big miles
Refinance
Already on finance? Pay less for the same car.
- Beat your current APR part way through the agreement
- Settle your balloon without finding a lump sum
- Explore lowering your monthly payment or interest costs
PCP ✦
HP ✦
Refinance ✦
Check Eligibility in ~60s ✦
Panel of Specialist Lenders ✦
Initial Soft Search ✦
Representative 10.9% APR ✦
PCP ✦
HP ✦
Refinance ✦
Check Eligibility in ~60s ✦
Panel of Specialist Lenders ✦
Initial Soft Search ✦
Representative 10.9% APR ✦
100%
initial soft search
7,000+
verified cars available
0s
average eligibility check
£0
upfront broker fees
Our Commitments
Built on transparency,
fair value, and good outcomes.
Soft Search Eligibility Check
We check your eligibility across our panel using an initial soft credit search. This has no impact on your credit score and is not normally visible to other lenders.
Zero Upfront Broker Fees
Checking your eligibility and using our credit broking service is completely free with no upfront charges, application fees, or hidden costs.
Clear, Honest Communication
We act in good faith to avoid foreseeable harm, providing clear, jargon-free explanations to help you make informed borrowing decisions without pressure.
Dedicated UK Specialists
Speak directly with our qualified team in England & Wales on 0115 661 1111. No automated phone trees or high-pressure sales tactics.
FAQ
Straight answers.
Will checking my rate affect my credit score?
No. We run an initial soft credit check, which will not affect your credit score and is not normally visible to other lenders. A hard credit search is only performed if you choose to accept a formal offer and proceed with that lender.
Can I get finance with bad credit?
Very often, yes. Our panel includes specialist lenders who consider applications from customers with a range of credit histories, assessing affordability today rather than past credit issues alone.
Do I have to buy from a specific dealer?
No. Your approval works at any reputable UK dealer, and it makes no difference whether you find the car or the finance first. Where approved, funds may be released directly to the dealer once paperwork is complete.
What's the difference between PCP and HP?
PCP defers a portion of the car's value to an optional final payment, resulting in lower monthly payments and options at the end to keep, return, or trade in. HP divides the total amount across the term, so payments are higher but ownership passes to you once all payments and any option-to-purchase fee are paid.
Find your finance options
in around 60 seconds.
Initial soft search with no obligation, and nobody will hound you with phone calls.
Check eligibility →Representative 10.9% APR. Check your eligibility in around 60 seconds. Initial soft search has no impact on your credit score.