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Car Finance

PCF has been financing cars for consumers and businesses for over 25 years, so we have the specialist knowledge and experience to help you with your car purchase.

We are independent which means we have no ties to any manufacturer or distributor. This gives you total freedom when it comes to choosing the car you want to buy.

We think individual customers deserve an individual service. That’s why we assess applications for finance on a case-by-case basis. Because we have helped more than 85,000 people, we are confident we can help you too. We offer car finance between £2,500 and £250,000 on both new and used cars.

Finance between £2,500 and £250,000

Simple and no obligation online application

Over 85,000 people helped so far

Apply Now

Representative 9.9% APR. Subject to personal and credit checks. Terms and conditions apply.

Personal Finance

For an indication of the total cost repayable on your prospective finance agreement, please use the sliders below to indicate how much finance you would like and the length of time you wish to repay it in.

How do I arrange finance for my car with PCF?

How much can I borrow?

We offer finance between £2,500 - £250,000 subject to the value of the car and your own circumstances.


How much are the monthly repayments? 

With different options including terms of up to 5 years, and balloon payments, we try to find a finance product that suits your budget.


How do I apply?

Click on our ‘Apply Now’ button to apply online or call us on 020 7227 2426 to speak to our Direct Business team.

Application Process

Step One

Apply Online

Simply fill out the details of our application form and one of our team will be in contact. Alternatively, you can call our Direct Business team on 020 7227 2426 to discuss your needs.


Step Two

The Decision

Subject to an initial credit check we will provide you with a no-obligation quote and a unique application reference number. If you decide to proceed we will do an affordability check and keep you informed every step of the way.


Step 3


Once we have prepared the agreement, received and processed all the necessary paperwork from you and your supplier, we arrange a payment to them so that you can collect your car.


Apply Now

Representative 9.9% APR. Subject to personal and credit checks. Terms and conditions apply.