Car Loan First

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Car Loan First

We are Car Finance specialists, and our mission is to make sure your car finance works for you, not the other way around. Why Choose Car Loan First?

Navigating car finance can feel confusing. We’re here to simplify the process, using clear, easy-to-understand language and avoiding jargon. Our cutting-edge technology allows you to apply for car finance and receive your quote from any device, at your convenience. No need to visit a dealership in person to apply. When you use Car Loan First, you’ll know your costs upfront – so you can relax and focus on choosing your next car. With our expert team by your side, we offer everything from one-on-one guidance to securing competitive rates tailored to your budget. We are UK car finance specialists, and our mission is to make sure your car finance works for you, not the other way around.

17/10/2026

Ever wondered why monthly car finance payments can vary so much? 👀

It comes down to several factors, including the car’s price, how much you put down as a deposit, the APR and the length and type of finance agreement.

Changing one factor can change the monthly figure — but it’s worth looking at the total amount payable as well, so you can compare the full cost of different options.

📌 Save this for your next finance search.

Ready to explore your options? Submit a finance query here:
https://carloanfirst.co.uk/apply-now/

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Car Loan First is a broker, not a lender.

Rates From 9.0% APR. Representative 18.0% APR. Rates may vary depending on individual circumstances. All finance is subject to status.

Representative Example: Borrowing £8,000 at a representative APR of 18.0% with no deposit over 60 months (5 years). Total amount payable will be £12,188.85. The cost of credit will be £4,188.865 and monthly payments of £203.15.

Car Loan First Limited. Registered in England and Wales. Company Registration Number: 15363510. Company Registered Office Address: The Quadrant, Mercury Court, Chester West Employment Park, Chester, CH1 4QR

We are authorised and regulated by the Financial Conduct Authority, registration number 1014324. We can introduce your application to car finance providers based on your credit rating. We will receive commissions for such introductions. All finance is subject to status and income.

We do not charge a fee for arranging the finance, however some of our lenders will charge a fee.

15/10/2026

Looking for your next car without stretching your budget? 🚗

If you're comfortable driving a manual, it's worth including manual models in your search alongside automatics.

Depending on the make, model and current listings, a comparable manual car may cost less — potentially giving you more flexibility with your budget.

Compare the age, mileage, specification and condition of individual cars to see where your money goes furthest.

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Car Loan First is a broker, not a lender.

Rates From 9.0% APR. Representative 18.0% APR. Rates may vary depending on individual circumstances. All finance is subject to status.

Representative Example: Borrowing £8,000 at a representative APR of 18.0% with no deposit over 60 months (5 years). Total amount payable will be £12,188.85. The cost of credit will be £4,188.865 and monthly payments of £203.15.

Car Loan First Limited. Registered in England and Wales. Company Registration Number: 15363510. Company Registered Office Address: The Quadrant, Mercury Court, Chester West Employment Park, Chester, CH1 4QR

We are authorised and regulated by the Financial Conduct Authority, registration number 1014324. We can introduce your application to car finance providers based on your credit rating. We will receive commissions for such introductions. All finance is subject to status and income.

We do not charge a fee for arranging the finance, however some of our lenders will charge a fee.

11/10/2026

Balloon payment, explained 🚗

If you’re comparing P*P finance, you may come across the term “balloon payment”. It’s simply the larger final payment that can be due at the end of the agreement.

Understanding how it fits into the overall agreement — alongside the monthly payments and total amount payable — can help you compare your options with confidence.

📌 Save this for later.

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Car Loan First is a broker, not a lender.

Rates From 9.0% APR. Representative 18.0% APR. Rates may vary depending on individual circumstances. All finance is subject to status.

Representative Example: Borrowing £8,000 at a representative APR of 18.0% with no deposit over 60 months (5 years). Total amount payable will be £12,188.85. The cost of credit will be £4,188.865 and monthly payments of £203.15.

Car Loan First Limited. Registered in England and Wales. Company Registration Number: 15363510. Company Registered Office Address: The Quadrant, Mercury Court, Chester West Employment Park, Chester, CH1 4QR

We are authorised and regulated by the Financial Conduct Authority, registration number 1014324. We can introduce your application to car finance providers based on your credit rating. We will receive commissions for such introductions. All finance is subject to status and income.

We do not charge a fee for arranging the finance, however some of our lenders will charge a fee.

09/10/2026

Looking for a car that fits city life? 🚗🏙️

A smaller footprint can make navigating busy streets and finding a parking space that little bit easier, while the right combination of practicality and manoeuvrability keeps everyday journeys comfortable.

If you’re choosing your next city car, think about how easy it is to park, how much space you actually need and how well it fits into your day-to-day routine.

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Car Loan First is a broker, not a lender.

Rates From 9.0% APR. Representative 18.0% APR. Rates may vary depending on individual circumstances. All finance is subject to status.

Representative Example: Borrowing £8,000 at a representative APR of 18.0% with no deposit over 60 months (5 years). Total amount payable will be £12,188.85. The cost of credit will be £4,188.865 and monthly payments of £203.15.

Car Loan First Limited. Registered in England and Wales. Company Registration Number: 15363510. Company Registered Office Address: The Quadrant, Mercury Court, Chester West Employment Park, Chester, CH1 4QR

We are authorised and regulated by the Financial Conduct Authority, registration number 1014324. We can introduce your application to car finance providers based on your credit rating. We will receive commissions for such introductions. All finance is subject to status and income.

We do not charge a fee for arranging the finance, however some of our lenders will charge a fee.

07/10/2026

It’s always great to hear from our customers. 💚

Thank you to everyone who takes the time to share their experience with Car Loan First! Your feedback means a lot to our team.

Thinking about your next car?
👉 Start your finance query: https://carloanfirst.co.uk/contact-us/

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Car Loan First is a broker, not a lender.

Rates From 9.0% APR. Representative 18.0% APR. Rates may vary depending on individual circumstances. All finance is subject to status.

Representative Example: Borrowing £8,000 at a representative APR of 18.0% with no deposit over 60 months (5 years). Total amount payable will be £12,188.85. The cost of credit will be £4,188.865 and monthly payments of £203.15.

Car Loan First Limited. Registered in England and Wales. Company Registration Number: 15363510. Company Registered Office Address: The Quadrant, Mercury Court, Chester West Employment Park, Chester, CH1 4QR

We are authorised and regulated by the Financial Conduct Authority, registration number 1014324. We can introduce your application to car finance providers based on your credit rating. We will receive commissions for such introductions. All finance is subject to status and income.

We do not charge a fee for arranging the finance, however some of our lenders will charge a fee.

04/10/2026

From application to driving away: Here’s how it works. 🚗

Car finance doesn’t have to feel complicated.
With Car Loan First, the process starts with a quick online application, followed by exploring finance options through our lender network. Once you’ve found your car, we’ll help guide you through the paperwork and next steps.

Five steps. One journey. And a little less guesswork along the way.

👉 Start your finance query:
https://carloanfirst.co.uk/contact-us/

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Car Loan First is a broker, not a lender.

Rates From 9.0% APR. Representative 18.0% APR. Rates may vary depending on individual circumstances. All finance is subject to status.

Representative Example: Borrowing £8,000 at a representative APR of 18.0% with no deposit over 60 months (5 years). Total amount payable will be £12,188.85. The cost of credit will be £4,188.865 and monthly payments of £203.15.

Car Loan First Limited. Registered in England and Wales. Company Registration Number: 15363510. Company Registered Office Address: The Quadrant, Mercury Court, Chester West Employment Park, Chester, CH1 4QR

We are authorised and regulated by the Financial Conduct Authority, registration number 1014324. We can introduce your application to car finance providers based on your credit rating. We will receive commissions for such introductions. All finance is subject to status and income.

We do not charge a fee for arranging the finance, however some of our lenders will charge a fee.

02/10/2026

Think your credit score is the only thing lenders look at? Think again. 👀

When assessing a car finance application, lenders may consider a range of information — from your repayment history and existing credit commitments to your address history, income and expenditure.

Understanding what forms part of an application can help you feel more prepared.

📌 Save this post for later.

----------------------------------------

Car Loan First is a broker, not a lender.

Rates From 9.0% APR. Representative 18.0% APR. Rates may vary depending on individual circumstances. All finance is subject to status.

Representative Example: Borrowing £8,000 at a representative APR of 18.0% with no deposit over 60 months (5 years). Total amount payable will be £12,188.85. The cost of credit will be £4,188.865 and monthly payments of £203.15.

Car Loan First Limited. Registered in England and Wales. Company Registration Number: 15363510. Company Registered Office Address: The Quadrant, Mercury Court, Chester West Employment Park, Chester, CH1 4QR

We are authorised and regulated by the Financial Conduct Authority, registration number 1014324. We can introduce your application to car finance providers based on your credit rating. We will receive commissions for such introductions. All finance is subject to status and income.

We do not charge a fee for arranging the finance, however some of our lenders will charge a fee.

30/09/2026

APR explained in under a minute. 👇

You’ll often see both an interest rate and an APR when looking at car finance, but they tell you slightly different things.
The interest rate shows the percentage charged on the amount borrowed, while APR provides a broader measure of the cost of borrowing.

That’s why APR can be useful when comparing finance options — but it’s still worth looking at the full agreement, monthly payments and total amount payable too.

Ready to apply?
https://carloanfirst.co.uk/apply-now/

----------------------------------------

Car Loan First is a broker, not a lender.

Rates From 9.0% APR. Representative 18.0% APR. Rates may vary depending on individual circumstances. All finance is subject to status.

Representative Example: Borrowing £8,000 at a representative APR of 18.0% with no deposit over 60 months (5 years). Total amount payable will be £12,188.85. The cost of credit will be £4,188.865 and monthly payments of £203.15.

Car Loan First Limited. Registered in England and Wales. Company Registration Number: 15363510. Company Registered Office Address: The Quadrant, Mercury Court, Chester West Employment Park, Chester, CH1 4QR

We are authorised and regulated by the Financial Conduct Authority, registration number 1014324. We can introduce your application to car finance providers based on your credit rating. We will receive commissions for such introductions. All finance is subject to status and income.

We do not charge a fee for arranging the finance, however some of our lenders will charge a fee.

27/09/2026

Got £12k to spend on your next car? 🚗

If you’re looking for something relatively new without stretching the budget, the Ford Fiesta, Fiat 500 and Citroën C3 are three models worth having on your shortlist.

And here’s a useful tip when searching: being open to a manual could give you more for your money. Depending on what’s available, you may find a newer car, lower mileage or a higher specification compared with an automatic at the same budget.

Save this for your next car search — and remember to compare the individual car, mileage, specification and overall condition before making a decision.

Looking for finance for your next car?
👉 Start your query with Car Loan First: https://carloanfirst.co.uk/contact-us/

----------------------------------------

Car Loan First is a broker, not a lender.

Rates From 9.0% APR. Representative 18.0% APR. Rates may vary depending on individual circumstances. All finance is subject to status.

Representative Example: Borrowing £8,000 at a representative APR of 18.0% with no deposit over 60 months (5 years). Total amount payable will be £12,188.85. The cost of credit will be £4,188.865 and monthly payments of £203.15.

Car Loan First Limited. Registered in England and Wales. Company Registration Number: 15363510. Company Registered Office Address: The Quadrant, Mercury Court, Chester West Employment Park, Chester, CH1 4QR

We are authorised and regulated by the Financial Conduct Authority, registration number 1014324. We can introduce your application to car finance providers based on your credit rating. We will receive commissions for such introductions. All finance is subject to status and income.

25/09/2026

Looking for a low APR on your next car finance agreement? 🚗

There’s no guarantee of securing a particular rate, but there are a few practical steps you can take before applying that may help strengthen your application.

From checking your credit score and joining the electoral roll to keeping credit card balances low and having proof of income ready, a little preparation can go a long way.

Save this checklist for when you’re ready to apply. 📌

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Car Loan First is a broker, not a lender.

Rates From 9.0% APR. Representative 18.0% APR. Rates may vary depending on individual circumstances. All finance is subject to status.

Representative Example: Borrowing £8,000 at a representative APR of 18.0% with no deposit over 60 months (5 years). Total amount payable will be £12,188.85. The cost of credit will be £4,188.865 and monthly payments of £203.15.

Car Loan First Limited. Registered in England and Wales. Company Registration Number: 15363510. Company Registered Office Address: The Quadrant, Mercury Court, Chester West Employment Park, Chester, CH1 4QR

We are authorised and regulated by the Financial Conduct Authority, registration number 1014324. We can introduce your application to car finance providers based on your credit rating. We will receive commissions for such introductions. All finance is subject to status and income.

Address

The Quadrant, Mercury Court, Chester West Employment Park
Chester
CH14QR

Website

https://carloanfirst.co.uk/

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