Rates from 9.9% APR: the exact rate you will be offered will be based on your circumstances, subject to status.
Representative example: Borrowing £6,500 over 5 years with a representative APR of 21.9%, an annual interest rate of 21.9% (Fixed) and a deposit of £0.00, the monthly payment would be £172.09 per month, with a total cost of credit of £3,825.40 and a total amount payable of £10,325.40.
We look to find the best rate from our panel of lenders based on your eligibility. We don’t charge a fee for our service, but we do earn a commission. This does not influence the interest rate you’re offered in any way. Feel free to contact ourselves for more information.
You can start a comparison with just a few details. We use these to find the best quotes for you.
We look at your specific requirements to compare whats available through our nationwide search tool which you can also change to search for alternative vehicles*
Once you’ve selected the perfect deal for you, a member of our team will take care of the rest.
*Please click our Used Car Search Terms and Conditions here for the details of how this works.
No admin fees Hassle-free sign up process Direct supplier relationships No admin fees Hassle-free sign up process Direct supplier relationships To compare hire purchase or personal loans for vehicle finance, there are a few details we’ll need from you to find the best quotes.
These are:
Yes, we can compare hire purchase agreements and personal loans for used cars.
Missing a loan repayment can have negative consequences, so ensure to speak to your loan provider if you are falling behind with repayments. It could result in the lender repossessing the vehicle.
A missed payment could harm your credit score or even result in a county court judgement against you.
A soft search checks if you may be eligible for a loan without leaving a mark on your credit report. It’s a useful way of finding a loan without harming your chances of being accepted.
When comparing on our website, there will be no impact on your credit score because it will only be a ‘soft search’. When applying for a loan, a credit check is carried out which could impact your credit score. When you compare with Sensible, we will only do a ‘soft search’ and won’t impact your credit score in any way.
APR stands for Annual Percentage Rate and takes into account the interest and fees you’ll pay on money you borrow.
When borrowing from credit cards, you can avoid paying interest if you pay your balance in full each month by the due date.
If you are still paying for the car you will be unable to sell it unless you settle the outstanding finance with the lender first. This is because until you have paid the finance in full, it is not legally yours.
If you have paid off the car in full, you will be able to sell it if you choose to.
Choosing how to finance a vehicle is no easy decision. For most, it will be one of the biggest purchases they will ever make, along with a house. It’s important to consider all of the options available when financing a vehicle. This guide provides a thorough evaluation of the advantages and disadvantages of each financing …
Searching for the best automobile insurance can be a difficult process, particularly if you are a first-time buyer or considering moving to a different insurance provider. You might be paying over the odds for cover you do not need or missing out on key policy features that you require. Types Of Cover When …
Personal Contract Purchase (PCP) gives people the chance to fund a car purchase through an initial deposit, regular monthly payments, and an agreed final payment which is calculated based on the anticipated residual value of the vehicle at the end of the finance agreement. The length of a PCP finance contract can span from 2 …
Sensible Car Finance
2nd Floor Cardinal House
20 St Mary’s Parsonage
Manchester
M3 2LY
Monday to Thursday: 9am – 7pm
Friday: 9am – 5pm
Saturday: 9am – 5pm
Sunday: 11am – 3pm
We are a credit broker, not a lender. We compare multiple lenders to help you find the best rate available from our panel. We receive a fixed fee commission per finance agreement, or we receive a commission based on a percentage of the total amount of finance taken. This will not affect the interest rate offered or the total amount repayable. Our service is completely free.
Sensible Car Finance is trading style of Equaliti Ltd, registered in England and Wales (13109643) and is authorised by the Financial Conduct Authority (FCA) and is on the Financial Services Register (952416). Our registered address is Glasshouse, Alderley Park, Alderley Edge. SK10 4TF.
We are licenced by the Information Commissioner’s Office, (ZB349066).
