Car loans today New or used cars, we want to help
- Get a free quote
- No impact on credit score
- Decision in minutes
- No deposit options
We are a credit broker, not a lender. Our car loan rates start from 8.9% APR. The rate you are offered will depend on your individual circumstances. Representative Example: Borrowing £8,000 over 60 months with a representative APR of 19.0% the amount payable would be £201 a month, with a total cost of credit of £4,064 and a total amount payable of £12,064.
Keep it simple... instant decisions
When you find ‘I Need Cash’, don’t feel there is no help, or it will slow your life down. We keep borrowing for any reason simple, with 3 stage process:
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Complete the form
We collect the information we need to find you the best car loan that fits your needs. Only takes minutes to complete.
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Get the results
It will take a few moments to process your application, and you will then see the car loan decision. You may also receive a call from a lender to discuss the loan options open to you.
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Drive your car
The process is straightforward, and you could have your car loan today.
Be in control on your terms
Manage your finances at a time that suits you and your lifestyle. We are here to provide the different types of cash loans and finance offers you may need.
Getting you the right financial support, to keep you financially fluid is the core of the I Need Cash ethic.
To give you peace of mind, we work with FCA regulated lenders and financial solutions, to keep you protected.
- Open 24 hours a day 7 days a week
- Apply on mobile, tablet or desktop
- FREE service and 100% online
- No obligation quote
Your Credit Score
All credit is considered, don’t let a bad credit score be a barrier.
Our panel of lenders can help with good credit loans and bad credit loans, both for short term loans and unsecured loans. Your credit is an important factor when a lender is looking at your details but your affordability is also important.
Affordability is around being able to make the cash loan repayments. If you are unable to afford the repayments, you will not be offered the loan. Even if you have a really good credit score. Lenders will look at the difference between your income and your outgoings, which gives your ‘disposable income’. If you have a bad credit score but a high level of disposable income, lenders may still accept you for a cash loan.
Questions
We are a credit broker that provides a FREE service in helping you find the best financial solution for your needs. Our team has been helping individuals get the right financial help for over 10 years.
So long as the vehicle is road-legal and you can afford the repayments, we should be able to help you find a car finance loan. The finance we can help you find could be for a vehicle you have found or for one provided by one of the finance companies we work with.
Absolutely, it is your car. The very minimum we require is that the vehicle is road legal ie has a valid Tax disc and MOT.
If you have good or bad credit we can help. Individual situations change over time, which sometimes can affect your credit score. We work with a wide range of lenders to provide you with more options to get the car loan you are wanting.
You must be aged over 18, be a UK resident, and afford the monthly repayments. Also the car you are looking to buy must be road-worthy
When a lender is looking to make you a firm offer of a loan, they will perform a hard credit search. This means that the credit search will appear on your credit file. However, when you are looking for an initial quote, the car loan lenders may perform a soft credit search – this does not appear on your credit report.
