Cars on Finance
near Belfast
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Affordable Car Finance
Home DeliveryLooking for car finance in Belfast? At carloans 365, we’re here to help you drive away in a car that suits your needs and your budget — with a simple application process and finance options tailored to you.
Whether you’re in East Belfast, the city centre, Newtownabbey or Lisburn, we’ve got flexible car finance deals available, even if your credit history isn’t perfect.
We work with a wide panel of trusted UK lenders to provide a range of finance options, including Hire Purchase (HP) and Personal Contract Purchase (PCP).
Our goal is to take the stress out of financing your next vehicle. You’ll get expert support from start to finish, with no pressure and no complicated paperwork.
Applying for car finance in Belfast is quick and easy. You can apply if you:
Our online process makes it simple to get started — and we’ll do our best to find a lender that matches your circumstances.
If your credit score isn’t great, you’re not alone — and it doesn’t mean you can’t get car finance. At carloans 365, we specialise in helping customers access bad credit car finance in Belfast.
We work with lenders who take a more flexible approach, so whether you’ve had defaults, CCJs or missed payments in the past, we’ll still do everything we can to help.
If you haven’t saved up a deposit, don’t worry. We offer no deposit car finance options across Belfast and Northern Ireland, so you can secure a deal without paying anything upfront. It’s a great way to spread the cost of your next car.
Getting started is simple:
We’re with you every step of the way.
Whether you’re buying from a local Belfast dealership or sourcing your vehicle from elsewhere in the UK, we’ll help arrange the finance. We don’t sell cars — we focus solely on finance, so you have the freedom to choose the right vehicle for your lifestyle.
From family SUVs to first-time hatchbacks, we make financing a used car simple.
We help drivers all across Northern Ireland — including Belfast, Bangor, Lisburn, Newtownabbey, and Carrickfergus. Wherever you’re based, carloans 365 is your trusted partner for affordable car finance.
Start your application today
Apply online in minutes and see what finance options are available to you.
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Can I get car finance in Belfast with bad credit?
Yes — we work with lenders who specialise in helping customers with poor or limited credit histories.
Do I need to put down a deposit?
No — we offer no deposit car finance options for customers in Belfast and Northern Ireland.
How quickly can I get approved?
Most applications receive a decision within 24 hours, sometimes even the same day.
Can I buy from any car dealer?
Yes — once approved, you can choose your car from any reputable UK dealership.
Will applying impact my credit score?
No — our soft credit check won’t affect your score during the initial application stage.
REP APR: 21.4% We act as a broker, not a lender.
Representative Example:
Borrowing £7,500 at a representative APR of 21.4%, annual interest rate (fixed) 21.36%, 47 monthly payments of £196.75 followed by 1 payment of £206.75, total cost of credit is £4,315, total amount payable is £11,815.
carloans 365 is a trading name of HT Finance Ltd. Company Number 11481948 registered address: Statham House, Talbot Road, Old Trafford, M32 0FP. HT Finance Ltd is authorised and regulated by the Financial Conduct Authority, under reference No. 821383 All finance is subject to status, terms and conditions apply. We work with a specific panel of lenders to try to obtain you an approval. We receive a commission for introducing you to parties with whom we work with. This commission is a fixed payment or percentage but can vary by partner. This does not impact the rate you are provided, full information on request. We do not charge a fee for our services.
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