Car financing

Choose your car from any reputable dealer across the UK

Looking for car finance?

We make your car buying experience stress free!

We take away the pain and stress of buying a car on finance and replace it with a friendly and extremely efficient service that will leave you feeling the Luv you deserve from buying a car!

If you need car finance and have been searching for Car Credit because you need a car but can’t get credit, we work with a panel of lender who will try to assist you, make an application today!

Why choose Luv Car Loans?

We are experts in providing car finance for most people. We are here to help and our information is free, we can offer some basic clear information on debt counselling including the process in regard to the early settlement of an existing car finance agreement.

We can also offer clear information in regard to the options available for those customers who are in a negative equity position on their vehicle and how this may affect your decision to purchase or to defer your purchase decision to a later time when you have moved back into a positive equity position.

We will discuss all the options available to you without influencing your decision, our aim is to provide the information on the products that are currently available which help you as a customer to make an informed decision, in our view we consider our process as treating the customer fairly.

How it works

At Luv Car Loans, we simplify the car financing process into four straightforward steps, ensuring a smooth and stress-free experience. From the initial consultation to the final paperwork, our friendly and efficient service guides you through each stage with ease.

This approach ensures that you feel valued and supported, transforming car buying into a journey that’s enjoyable and fulfilling, and leaving you with the satisfaction you truly deserve.

Step 1 – Apply Online

Simply apply from the comfort of your home, filling out a few essential details to get started. This initial step is designed for ease and efficiency, setting the foundation for a hassle-free car financing experience.

Step 2 – Get Decision

Once your online application is submitted, our team works diligently to review your details and provide a prompt approval decision. This efficient process ensures a smooth progression to the next stage of your car financing journey, keeping you informed and on track.

Step 3 – Choose A Car

Don’t be the middle man, let our friendly and helpful team take on the stress of buying a car. They have years of motor trade experience and will be happy to deal directly with the dealer on your behalf so you can sit back, relax and look forward to driving away your new car!

Step 4 – Drive Away

Your Personal Finance Executive will talk you through your payment options and tailor a package that fits perfect within your current finance arrangements. Why delay? Apply now even if you have defaults, CCJ’s, poor employment history, previous bad credit, new to the UK or newly employed, don’t worry, we could get you credit!

Struggling to get credit?

There are many different finance products available on the market, you need to be sure that you are looking at the best product for your circumstances.

In general we offer our services to those people who have had previous bad credit issues and are unable to obtain finance from the mainstream finance providers, however as this is not always the case if we discover that we are able to obtain finance through a more competitive lender we will inform you of this and offer that option.

Depending on your individual circumstances your credit risk may also mean that you may have to pay considerably more than you would from one of the mainstream prime finance companies, however we try to keep our process transparent and keep you informed so you are able choose the best option for you.

We try to minimise credit searches for the customer as this can affect your credit score but if you are confident that you can obtain finance via one of the mainstream finance companies please advise us early during the process and we will process your application through the prime channels.

Frequently Asked Questions

What is car financing?

Car financing is a process where a lender provides you with the funds to purchase a vehicle. In return, you agree to repay the loan amount plus interest and associated fees over a set period. This allows you to acquire a car without paying the full price upfront.

How do I apply for car financing?

To apply, you can fill out our application form or call up one of our team on 0330 056 3556 to assist you through the form. You’ll need to provide personal information such as your name, address, employment details, and income.

Can I finance a car with bad credit?

Yes, it is possible, but be prepared for higher interest rates and fees. Improving your credit score before applying can help secure better terms.

Do I need insurance to finance a car?

Yes, lenders typically require comprehensive and collision insurance to protect their investment in the vehicle. You may also need to carry gap insurance, which covers the difference between the car’s value and the loan amount if the car is totalled or stolen.

What happens if I miss a car loan payment?

Missing a payment can incur late fees and negatively impact your credit score. Continued missed payments can lead to the lender repossessing the vehicle. It’s important to communicate with the lender if you’re facing financial difficulties.

Can I refinance my car loan?

Yes, refinancing involves taking out a new loan with different terms to pay off your existing car loan. It can be beneficial if you find a loan with a lower interest rate, leading to lower monthly payments or a shorter loan term.

Want to know more?

Have a question you can’t find the answer to? Use our simple
contact form below and one of our helpful team will get in
touch with you as soon as possible.

4 Simple Steps

From Apply To Drive


Apply Online

Kickstart your journey with a hassle-free online application that takes just 60 seconds.


Get Decision

Receive a speedy financing decision so you can proceed with confidence and clarity.


Choose A Car

Select your dream car from a wide range of options, all at your fingertips.


Drive Away

Finalise the paperwork effortlessly and drive away in your new car with a smile.

Easy, right? Start your application