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Home DeliveryLooking for car finance in Plymouth? Whether you're buying your first car, upgrading your current vehicle, or need a reliable runaround, carloans 365 is here to help make it happen — even if you have bad credit or no deposit saved.
We work with a wide panel of trusted UK lenders to find flexible, affordable car finance options for drivers across Plymouth and the wider Devon area.
At carloans 365, we’re a fully authorised UK car finance broker. We don’t sell cars — we focus on finding you the best way to fund one.
From Hire Purchase (HP) to Personal Contract Purchase (PCP), we offer clear, simple finance solutions that suit your budget and your credit profile. Whether you want to buy from a dealership in Plymouth or anywhere in the UK, we’ll help you get a fair deal.
You’re eligible to apply for car finance in Plymouth if you:
Our online application takes just a few minutes, and your credit score won’t be affected by the initial soft check.
Worried about your credit history? We specialise in bad credit car finance in Plymouth, helping customers who’ve been refused elsewhere.
If you’ve had CCJs, defaults, or missed payments, don’t worry — our lenders consider more than just your credit score. We’ll work hard to match you with a finance option that’s realistic and affordable.
No deposit saved? No problem. We offer no deposit car finance across Plymouth, so you can drive away without paying anything upfront.
You’ll simply make fixed monthly payments over the term of your agreement — easy, predictable and stress-free.
We keep things simple:
We support you from start to finish, ensuring you understand your finance deal before you sign.
Whether it’s a small hatchback, a family SUV, or an electric vehicle, we help you secure finance for the used car you want — from any approved dealership in Plymouth or beyond.
At carloans 365, you’re always in control of what you drive and how you pay for it.
We support drivers across Devon, including Plymouth, Plympton, Ivybridge, Saltash, Tavistock, and Torpoint. Wherever you’re based in the South West, carloans 365 is ready to help you get on the road with confidence.
Start your application today
No pressure. No obligation. Just fast, flexible car finance from a trusted UK broker.
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Can I get car finance in Plymouth with bad credit?
Yes — we work with specialist lenders who are open to helping customers with a poor credit history.
Is a deposit needed to apply?
Not at all. We offer no deposit car finance to help you keep upfront costs low.
How long does it take to get approved?
Many of our customers get a decision within a few hours.
Can I buy a car from a Plymouth dealership?
Yes — or you can choose a car from any reputable UK dealer.
Will applying affect my credit score?
No — we start with a soft credit search that won’t show up on your report.
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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