GBWise
Car Finance Made Simple

Car Finance Made Simple

Get the car you want with flexible finance options. Check your eligibility in minutes with no impact on your credit score.

How It Works

Getting behind the wheel has never been easier

1. Check Eligibility

Complete our free eligibility checker in minutes. Soft search only - no impact on your credit score.

2. Choose Your Car

Browse thousands of quality used cars from trusted dealers across the UK.

3. Get Your Quote

Receive personalised finance quotes with clear monthly payments and APR rates.

4. Drive Away

Complete your application and drive away in your new car. Simple, transparent, hassle-free.

Finance Options Explained

Choose the option that works best for you

Personal Contract Purchase

Lower monthly payments with flexible end options

  • Lower monthly payments than HP
  • Option to upgrade or return the car at the end
  • Fixed annual mileage allowance
  • Balloon payment at the end if you want to keep the car

Representative Example:

Vehicle Price:£12,450 Deposit:£2,000 (16%) 48 Monthly Payments:£164.38 Optional Final Payment:£6,268.75 Total Amount Payable:£16,158.99 Representative APR:10.9% APR

Hire Purchase

Own the car at the end of your agreement

  • Fixed monthly payments
  • You own the car after final payment
  • No mileage restrictions
  • Simple and straightforward

Representative Example:

Vehicle Price:£10,000 Deposit:£1,000 (10%) 60 Monthly Payments:£198.50 Total Amount Payable:£12,910 Representative APR:10.9% APR

Check Your Eligibility

See if you qualify for car finance in minutes. Our soft search won't affect your credit score.

  • No impact on your credit score
  • Get an instant decision
  • See your personalised APR rate
  • No obligation to proceed
Check Your Eligibility

Soft Search Only

We use a soft credit check that won't affect your credit score. Only proceed to a full application when you're ready.

Trusted Finance Partners

We work with leading UK finance providers

Car Finance Calculator

Work out your monthly payments before you apply. Adjust the deposit, term, and vehicle price to see what works for your budget.

Use Calculator

Estimate your monthly payments

What Our Customers Say

Trusted by thousands of UK drivers

"The finance process was so straightforward. Checked my eligibility online, got approved quickly, and drove my new car within a week. Highly recommend!"

Sarah Mitchell
Manchester

"Great rates and excellent customer service. The team explained all my options clearly and helped me choose the right finance plan for my budget."

James Wilson
Birmingham

Frequently Asked Questions

Everything you need to know about car finance

How does the finance eligibility checker work?
Our free eligibility checker uses a soft credit check that won't affect your credit score. You'll need to provide some basic information including your monthly budget, personal details, address history, and employment status. You'll then see your chance of approval, a personalised APR estimate, and which finance types you may be eligible for.
What's the difference between PCP and HP finance?
PCP (Personal Contract Purchase) offers lower monthly payments and flexible options at the end — you can return the car, pay a balloon payment to keep it, or trade it in for a new one. HP (Hire Purchase) has higher monthly payments but once all payments are made, the car is yours automatically with no final balloon payment.
Will checking my eligibility affect my credit score?
No. We use a soft credit check for eligibility checking, which doesn't leave a footprint on your credit report. Only when you decide to proceed with a full application will a hard search be performed.
Can I get car finance with bad credit?
Yes, we work with a panel of lenders who consider applicants with a range of credit profiles. The eligibility checker will show you which options may be available to you based on your circumstances.
How long does the finance application take?
The initial eligibility check takes just a few minutes. A full finance application can be completed online and decisions are often made within hours. Once approved, you can usually collect your car within a few days.

Ready to find your next car?

Check your eligibility today and get one step closer to driving away in your new car.

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