Cars on Finance
near Southampton
Excellent | 1900+ Reviews
£0 Deposit Options
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Home DeliveryLooking for car finance in Southampton? At carloans 365, we make it easy to get the car you want — with tailored finance options that suit your credit score, budget, and lifestyle.
Whether you're in Southampton city centre, Eastleigh, Totton or anywhere across Hampshire, we’re here to help you secure a car finance deal that works for you.
We’re an experienced UK broker working with a trusted panel of lenders. From Hire Purchase (HP) to Personal Contract Purchase (PCP) agreements, we help you compare finance options and make an informed choice.
At carloans 365, we’re all about simplicity, speed, and transparency — no jargon, no pressure, and no hidden fees.
Applying for car finance in Southampton is quick and straightforward. You’re eligible to apply if you:
We’ll run a soft search initially — so there’s no impact on your credit score — and get back to you quickly with your options.
Don’t let a poor credit history hold you back. We work with specialist lenders who offer bad credit car finance in Southampton — even if you’ve had CCJs, defaults, or missed payments.
At carloans 365, our goal is to get you back on the road with a fair, manageable deal that fits your financial situation.
Need finance but haven’t saved for a deposit? No problem. We offer no deposit car finance across Southampton, allowing you to fund your car entirely through monthly payments.
It’s ideal if you need a car now but want to keep your upfront costs to zero.
Our process is designed to keep things simple:
We’re here to support you every step of the way.
From your first car to your next upgrade, we help you finance it with confidence. Choose from any reputable dealership in Southampton or across the UK — from small hatchbacks to electric cars and family SUVs.
At carloans 365, you’re in control.
We serve drivers across the South Coast and Hampshire — including Southampton, Eastleigh, Romsey, Totton, Hedge End and Portsmouth. Wherever you are, carloans 365 is your trusted partner for fast and flexible car finance.
Ready to get started?
Apply online today — it’s fast, free and there’s no obligation.
Apply Now
Can I get car finance with bad credit in Southampton?
Yes. We work with specialist lenders who help customers with poor credit get approved.
Do I need a deposit to apply?
No — we offer no deposit car finance so you can spread the cost over monthly payments.
How long does approval take?
Many applicants receive a decision within a few hours, or by the next working day.
Can I choose my own car?
Yes — you can choose from any trusted UK dealership, locally or nationwide.
Will applying affect my credit score?
No — we start with a soft credit search which won’t impact 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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