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Home DeliveryLooking to get car finance in Lincoln? Whether you’ve got excellent credit, bad credit, or no deposit saved, carloans 365 is here to help you get behind the wheel — quickly, easily, and with no pressure.
We help drivers across Lincoln and the wider Lincolnshire area find car finance that works for them, with flexible deals and access to a wide panel of UK lenders.
We’re a fully FCA-authorised finance broker — not a car dealer — which means our only focus is finding you a suitable finance deal from a panel of trusted UK lenders.
Whether you're looking for Hire Purchase (HP) or Personal Contract Purchase (PCP), we’ll guide you through the process and help you fund a vehicle from any approved UK dealership, including those in Lincoln or elsewhere.
To apply for car finance in Lincoln, you must:
Our quick online application only takes a few minutes to complete and won’t affect your credit score thanks to an initial soft search.
Struggling with your credit score? At carloans 365, we specialise in helping people access bad credit car finance in Lincoln.
Even if you’ve been refused car finance elsewhere due to defaults, CCJs, or missed payments, we work with lenders who look at the full picture — not just your credit file.
If you haven’t got a deposit saved, don’t worry. We offer no deposit car finance throughout Lincoln and the surrounding areas, helping you get on the road without needing any money upfront.
Just choose your car, and your monthly repayments will cover everything.
Applying with carloans 365 is straightforward:
We’ll support you at every step to ensure your car finance experience is smooth and stress-free.
We help you finance a used car that suits your lifestyle and budget. Whether you’re after a compact runaround, a family SUV, or an electric car, you’re free to choose from any approved dealership — locally or nationally.
With carloans 365, you’re always in control of what you drive and how you pay for it.
We support customers across Lincoln and the wider region, including North Hykeham, Washingborough, Nettleham, Bracebridge Heath, and beyond. Wherever you’re based in Lincolnshire, we make car finance quick, simple, and accessible.
Apply online today
No pressure. No hidden fees. Just straightforward car finance tailored to you.
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Can I get approved for car finance in Lincoln with bad credit?
Yes — we work with specialist lenders who consider a wide range of credit profiles.
Do I need to put down a deposit?
Not necessarily. We offer no deposit options for eligible applicants.
How long does it take to get a decision?
In many cases, we can give you a decision the same day you apply.
Can I choose a car from outside of Lincoln?
Yes — you’re free to buy from any trusted UK car dealership, not just local ones.
Will applying impact my credit score?
No — we use a soft search initially, which won’t affect your credit rating.
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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