Car Loans: Representative 6.9% APR for qualified buyers · UK · USA · Germany · France · Brazil
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Unity Oak's Trust

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Car Loans
Drive your dream

Competitive rates, flexible terms, and fast approvals — whether you're buying new, used, or refinancing. Available across the UK, USA, Germany, France, and Brazil.

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Modern car interior
Representative 6.9% APR*
Global car finance available: We offer vehicle loans in GBP, EUR, and USD. Rates shown are representative; actual APR depends on your circumstances.
Important Information: Car loans are secured against the vehicle. Your vehicle may be repossessed if you do not keep up repayments. All lending is subject to status and affordability checks.

New & Used

Purchase finance

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Refinance

Lower your payments

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HP & PCP

Hire Purchase options

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Payment Calculator

Estimate monthly costs

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Choose your car loan

Options tailored to your situation

New Car

6.9% APR*
up to 60 months
  • 0% deposit options available
  • 2024-2026 model years
  • No early repayment charges
Apply for New Car

Used Car

7.4% APR*
up to 60 months
  • Up to 10-year-old vehicles
  • Finance up to 100% of value
  • Quick decision
Apply for Used Car

Refinance

6.4% APR*
flexible terms
  • Lower monthly payments
  • No valuation fees
  • Rate reduction opportunities
Refinance Now

Representative APR Examples

Loan Type
Term
Representative APR
Special
New Car (2024-2026)
48 months
6.4% APR
0.5% discount with direct debit
New Car (2024-2026)
60 months
6.9% APR
existing customer rate
Used Car (2018-2023)
48 months
7.4% APR
online application
Refinance
any
6.4% APR
no arrangement fees

Refinance with us and save

If you've had your loan for 6+ months, you may qualify for a lower rate. Average savings of £85/month.

Fast & simple process

Get behind the wheel sooner

1

Apply online

5-minute application, secure and paperless.

2

Get approved

Receive a decision as fast as same-day.

3

Shop & drive

Use your funds at a dealer or private seller.

Estimate your payment

Use our quick calculator to see estimated monthly payments. All figures in GBP.

Est. monthly
£478
includes principal & interest

Trusted partners

We work with hundreds of trusted dealerships nationwide

Arnold Clark

UK's largest dealer

Auto Trader

Nationwide network

Motorpoint

Car supermarkets

Local partners

1,500+ independent

Ready to hit the road?

Apply in minutes and get your decision fast. Available in GBP, EUR, and USD.