Finance Lender
HP and PCP finance with soft-search pre-approval and payouts in under 10 minutes.
Minimum stock required: 50 cars
View all benefits and lending criteria for Admiral
- Approval to payout in under 10 minutes
- Pre-approval and guaranteed rates via soft search
- LTV up to 130% on both HP and PCP
- HP: terms up to 84 months; maximum vehicle age 17 years
- PCP: competitive residual values on all vehicle types, including EVs
- Dedicated support from experienced account managers and business development consultants
- Free stock advertising via our Marketplace
- Limited debit backs
- Minimum stock required: 50 cars
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Finance Broker
All employment types considered, with Auto Accept approvals and instant payout.
Vehicles over 12 years old require manual review.
View all benefits and lending criteria for AU Finance
- Flexible and negotiable lender
- Rated Exceptional by our customers on Feefo
- All employment types considered
- No vehicle age restrictions; vehicles over 12 years old require manual review
- Quick approval for our Auto Accept customers
- Instant payout: money in your bank straight away
Finance Lender
Halal car finance up to £45,000, with rental payments and same-day payouts.
Cars only; bikes and LCVs are not eligible.
View all benefits and lending criteria for Ayan
- Halal finance (rentals, no interest charged)
- Rates from 7.9% APR (10.9% representative APR)
- HP only (equivalent APR)
- Finance up to £45,000
- Cars only; no bikes or LCVs
- Instant decisions and same-day payouts
- Deals completed in under 2 hours
- Rated 4.8★ on Trustpilot and 4.7★ on Google
Finance Broker
Manual review of every proposal, help with income proofs and seven-day support.
View all benefits and lending criteria for Car Finance Genie
- Rates from 10.9% to 49.9%
- Overturning 57% of deals declined by other brokers or lenders
- Converting 20% of the declines we are overturning
- Our panel includes lenders who do not work with any other brokers in the market
- Speed-focused service, with approvals in minutes
- Every proposal is manually underwritten, ensuring nothing is missed
- Bespoke service
- We do all the hard work for you, including chasing income proofs
- Open 7 days a week
Finance Broker
HP and PCP for cars, commercial and leisure vehicles, with seven-day support.
View all benefits and lending criteria for Car Money
- Same-day finance commission
- Wide lending panel with a 90% acceptance rate for prime customers and 70% for sub-prime customers
- Funding for passenger cars, commercial vehicles and leisure vehicles
- Vehicles funded up to 200,000 miles at the start of the agreement, with terms up to 7 years
- Loan-to-value (LTV) up to 135%
- Provisional and international licences accepted
- 9 PCP lenders, including manufacturer lenders, for prime and sub-prime customers; commercial vehicle options also available
- PCP available for vehicles up to 10 years old at the start of the agreement, with a starting mileage of 100,000
- Open 7 days a week
Credit Agricole
Finance Lender
HP and PCP for cars, LCVs and motorcycles, including EVs, with motorhome HP terms up to 150 months.
Minimum stock required: 100 cars
View all benefits and lending criteria for Credit Agricole
- Minimum dealer stock of 100 cars
- HP and PCP for cars, LCVs and motorcycles, including EVs
- PCP for vehicles up to 9 years old at the end of the term
- Motorhome HP finance with terms up to 150 months
- Funding for value-added products (VAPs) and negative equity
- Automatic payout on qualifying agreements
- Funding available in England, Scotland and Northern Ireland
- EV chargers available for outright purchase or with funding
Finance Lender
Advances up to £12,500, including options for benefits and provisional licences.
View all benefits and lending criteria for Finclusion
- Advances up to £12,500
- Vehicles up to 11 years old at the start of the agreement and 15 years old at the end
- Finance for all customer types
- Funding available with full and provisional licences
- Funding for customers receiving benefits
- Their mission is simple: to make vehicle ownership more accessible, transparent and fair, especially for those who have been underserved by traditional lenders
Finance Broker
Access to 25 lenders, with HP, prime and near-prime PCP, and seven-day support.
View all benefits and lending criteria for Finset
- Market-leading conversion rates
- Bespoke dealer and customer journeys
- Experience with franchises, used-car supermarkets and independents, with proven results
- Access to 25 lenders
- Rates from 7.9% APR
- PCP: prime and near-prime
- HP: terms from 36 to 84 months
- Same-day payouts
- 7-day-a-week support from an experienced team to help you increase your F&I
Finance Lender
Bikes, LCVs and PCP on EVs, with negative equity and value-added product funding.
View all benefits and lending criteria for First Response
- Bikes, LCVs and Northern Ireland
- Funding for negative equity and value-added products (VAPs)
- Decisions average 2 minutes
- Payouts average 15 minutes
- Funds within the hour
- PCP on EVs
- End-to-end online journey available
- Vehicles up to 15 years old at the start of the agreement
Finance Lender
Finance up to £40,000 and 125% LTV, with nil-deposit and negative equity options.
Geographical exclusions: Northern Ireland, Scotland and Isle of Man.
View all benefits and lending criteria for Mallard Finance
- LTV up to 125%
- Finance up to £40,000
- Negative equity funding up to £2,000
- No deposit required
- VAT can be funded on commercial vehicles within LTV limits
- Taxi drivers considered (excluding black cabs)
- Retired customers with a private pension income considered
- Benefits considered alongside other pension or employment income
- Geographical exclusions: Northern Ireland, Scotland and Isle of Man
Finance Lender
Non-prime PCP with soft-search approvals and rates tailored to credit profiles.
View all benefits and lending criteria for Marsh
- Instant soft-search approvals: check customer eligibility with a soft search
- One of only 2 lenders in the UK offering non-prime PCP, helping you sell more cars to a wider audience
- Competitive rates tailored to your customers’ credit profiles
- 50 years of lending experience as a trusted, reputable finance partner
- Rate-for-risk model that fits with prime lenders and manufacturers
- Fast, efficient payouts with expert dealer support
- Flexible credit approach for non-prime customers, helping you serve those who may struggle to get finance elsewhere
Finance Lender
Car finance for customers new to the UK, including those with thin credit files.
View all benefits and lending criteria for Marshmallow
- Car finance for customers new to the UK, specialising in migrant finance
- Thin credit files accepted, with no need for 3 years’ address history
- Customers accepted with just 1 month’s employment history in the UK
- Fully digital journey from proposal to payout
- Vehicles up to 16 years old at the end of the term and 100,000 miles
- APRs from 19.9% to 24.9%
- Help consumers build their financial footprint
Finance Lender
Non-prime finance for cars, vans and motorbikes, assessed against affordability.
View all benefits and lending criteria for Moneybarn
- Specialist finance for non-prime customers
- Finance for cars, vans and motorbikes
- Cars up to 15 years old
- Cars with up to 120,000 miles
- LTV up to 110%
- Flexible eligibility assessments based on affordability and personal circumstances
Finance Lender
Car and LCV finance, with 99% of underwriting decisions in 20 seconds.
Minimum stock required: 100 cars
View all benefits and lending criteria for Oodle
- 99% of underwriting decisions in 20 seconds
- Soft search with no credit impact
- Streamlined processes that save you time
- Funding for cars and LCVs
- Vehicles with up to 110,000 miles
- Vehicles up to 16 years old
- Negative equity funding at 125% LTV
- Minimum stock required: 100 cars
Finance Lender
Risk-based finance with soft-search pre-approval and flexible vehicle criteria.
View all benefits and lending criteria for Tandem
- Broad risk appetite
- Pre-approval and guaranteed rates via soft search
- Flexible vehicle parameters and LTVs
- Vehicles up to 125,000 miles
- Vehicles up to 15 years old at agreement term
- LTVs up to 120% (110% for higher-risk tiers)
- 72-month HP (maximum 90,000 miles, 13 years old at agreement term and 105% LTV)
- Soft search with no credit impact
- Over 95% automated decisioning, with referral decisions in under 30 minutes
- Payouts in under 30 minutes
- Competitive, dynamic risk-based pricing
- Supporting customers’ transition to greener motoring
Finance Lender
Prime and near-prime finance with soft-search pre-approval and self-payout.
View all benefits and lending criteria for Zopa
- Approval to payout within 10 minutes
- Funds in your account within 1 minute of payout confirmation
- Pre-approval and guaranteed rates via soft search
- No focus efficiencies; send us everything
- 98% of decisions within 8 seconds
- HP on cars up to 11 years old at the start of the agreement
- PCP GFV: 95%
- Prime and near-prime offering
- Self-payout functionality