Cars on Finance
near Cardiff
Excellent | 1900+ Reviews
£0 Deposit Options
Reputable Dealers
Affordable Car Finance
Home DeliveryLooking for car finance in Cardiff? At carloans 365, we make getting your next vehicle straightforward and stress-free — whether you’re based in the city centre, Roath, Canton, or the surrounding areas like Barry, Newport or Penarth.
With flexible options to suit all credit backgrounds, we’re here to help you secure the right deal and get you on the road.
At carloans 365, we work with a trusted network of UK lenders to bring you competitive and flexible car finance options. From Hire Purchase (HP) to Personal Contract Purchase (PCP), we tailor our solutions to your needs and financial circumstances.
Our friendly team will guide you through the process — whether you’re a first-time buyer or looking to upgrade your current vehicle.
Applying for car finance in Cardiff is easy. You can apply if you:
We’ll assess your situation and match you with lenders who may be able to help — even if your credit history isn’t perfect.
We believe that a poor credit score shouldn’t stop you from getting the car you need. That’s why we work with specialist lenders who offer bad credit car finance in Cardiff.
If you’ve experienced defaults, CCJs or missed payments in the past, don’t worry — we’ll do our best to help you find a finance option that works.
No deposit? No problem. We offer no deposit car finance in Cardiff, allowing you to spread the cost without needing a large upfront payment. It’s ideal if you need a car now but haven’t had time to save.
We’ve made the process as simple as possible:
It’s quick, easy and designed to work around you.
We don’t sell cars — we help you finance them. That means you’re free to choose your next vehicle from any reputable dealership in Cardiff or across the UK. From compact city cars to SUVs and family vehicles, we can help you secure finance for a wide range of models.
Wherever you are in South Wales — from Cardiff and Penarth to Caerphilly, Bridgend and Newport — carloans 365 is here to make car finance simple, fast and affordable.
Ready to apply?
Start your application now and get one step closer to your new car.
Can I get approved for car finance in Cardiff with bad credit?
Yes — we work with lenders who specialise in helping customers with poor or limited credit histories.
Do I need to pay a deposit?
No — we offer no deposit car finance in Cardiff, so you can get started with zero upfront cost.
How fast will I get a decision?
Most applications are processed quickly, often with a decision within 24 hours.
Can I buy my car from any dealer?
Yes — once approved, you’re free to choose your vehicle from any reputable UK car dealer.
Will applying affect my credit score?
No — we use a soft credit check at the start of your application, which won’t affect your score.
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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