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Car Finance With No Deposit

We promise to make finding and financing a car straightforward and stress free

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Car Finance With No Deposit

Imagine being able to obtain the right car for you at the right price, right now, with no stress. At CarFinanceGenie, we take pride in our straightforward and stress free service and provide great deals for no-deposit options car finance.

Maybe you wish to get behind the wheel of a BMW, Mercedes-Benz, Nissan, Vauxhall or another desirable car, without having to pay a deposit first? Or maybe you have bad credit or just aren’t in a position to afford a deposit at the moment?

We offer a straightforward, hassle-free route to car finance.

How It Works

Please enter a few details below to see how much you could borrow.



Ready for a new car? Get a no-obligation finance quote. We consider most credit situations and have access to a wide panel of lenders, so we could find a car finance option which suits you


Get approved

We compare our panel of lenders and our experts will be able to outline the best options available to you


Choose a car

With hundreds of trusted quality used cars available from our carefully selected dealers, your dedicated Genie will be on-hand to help find the right car for your needs and budget


Drive away

Wish granted. Complete all of the required documents and get the keys to your new car.

Providing the best car finance deal today

The principle behind car finance is simple: instead of paying the entire sum for a car upfront, you can divide the cost into manageable monthly installments.

There are various car finance products available. At CarFinanceGenie our main focus is on two finance products; hire-purchase deal and personal contract purchase. Don’t worry – if you’re already lost. We break down the jargon and will always explain everything to you in straightforward and honest terms.

There are various factors which can impact the cost of your monthly payments, including; the length of the term, whether you choose to pay a deposit and the strength of your credit rating. There are a lot of possibilities when it comes to car finance, and we’ll delve into some of them in more detail below.

What is no deposit car finance?

Car finance that doesn’t require you to put down a deposit first. Both hire purchase (HP) and personal contract purchase (PCP) deals can be arranged through CarFinanceGenie for which a deposit is optional.

No-deposit finance can be particularly useful when you need to replace your vehicle but don’t have much spare cash to hand or would rather not raid your savings account.

Obtaining car finance can be a daunting and stressful experience, especially if you have bad credit. You might have been turned down by various lenders in the past, and even if you were accepted, you may have been asked to pay a prohibitively expensive deposit.

Saving up enough cash for a deposit on a car can take time, especially as most agreements require you to have around 10% of the car’s value to put down. For many, the monthly costs of mortgages or rent, bills and the increased cost of living makes this very difficult.

That’s where we come in!

The extensive network of lenders that we work with at CarFinanceGenie includes many that specialise in bad credit car finance with no deposit.

We have high acceptance rates for cheap car finance deals with no deposit, so why not apply today?

*No deposit options depend on the lender and their criteria as well as personal circumstance

What is no deposit car finance?

Some applicants for car finance may welcome a chance to pay a deposit, so that they don’t have to pay as much back each month over the term of the loan.

However for many of our customers the need to pay a deposit before they can secure car finance has been a source of stress. CarFinanceGenie therefore allows applicants to choose whether or not they wish to pay a deposit – and if so, how much.

You can use our Car Finance Calculator to see what’s best for your budget:

Get the car you want, on a finance deal that suits you

We realise that it can be stressful and daunting to find the right car finance deal. That’s why we’ve gone out of our way to take all of the hassle out of the process for you.

Use our handy Car Finance Calculator to get started:


Credit profile
Repayment term (yrs)

Rates from 6.9% APR; the exact rate you will be offered will be based on your circumstances, subject to status.

Representative example: borrowing £6500 over 5 years with a representative APR of 19.2%, an annual interest rate of 19.2% (Fixed) and a deposit of £0.00, the amount payable would be £161.46 per month, with a total cost of credit of £3087.50 and a total amount payable of £9687.50.

We act as a broker, not a lender.

6.9% APR
Total cost of finance
Total repayment
60 monthly payments of
Apply now

Rates from 6.9% APR Representative APR 19.2%

What are your car finance options?

Car finance is all about paying for a car over a series of manageable monthly instalments, instead of paying the entire cost upfront. However, there are different kinds of car finance available.

Hire purchase (HP) is the most common, and once you have finished making the payments at the end of the loan term, you will own the car outright.

Personal contract hire (PCP) deals also involve fixed monthly payments. Unlike HP, though, when the loan term concludes, you can pay a final ‘balloon’ payment to own the car, or return or exchange it.

Finance terms can be as short as two years (24 months) or as long as five years (60 months). It’s possible to get either a HP or PCP deal without the need for a deposit; just apply online today to receive your no-obligation quote.

There are a couple of things you need to know before you decide if car finance is right for you:

For example, you’ll need to have the following in order to be approved:

1. A good to excellent credit score
2. Pass a credit check to ensure you can make the monthly repayments.

If you don’t have good credit, don’t panic! There are other options for you such as car finance with bad credit.

None of these catch your eye? Check our Stock Page to see more!

Not only do we give you plenty of cars to choose from through our partnerships with carefully selected dealers, but we can also help you to find specific models that aren’t listed in our stock.

Whilst we can’t guarantee that you will be able to obtain car finance through one of lenders, we can assure you that we will do everything in our power to get you approved. Gaining an approval depends on various factors, ranging from your age, employment status and income to your credit rating and the amount you’re looking to borrow.

We maintain strong relationships with a number of lenders that provide car finance deals with no deposit for bad credit applicants. So, even if you’ve been rejected for finance elsewhere, you’re welcome to apply for car finance through us!

Why Choose Car Finance Genie?

Our Incredible Service

We offer fantastic customer service throughout your application and beyond. With over 100 independent five star reviews, don’t take our word for it. Find out what our customers have to say!

Trusted Dealer Network

We’d never send you to the wrong place! Our fantastic network of carefully picked, trusted dealers mean you can get the car you want with complete piece of mind. As we hand pick our dealers, we trust them to provide you with the vehicle you want in exactly the condition you want it at a great price!

SAF Approved

SAF Approved provides recognition for companies like Car Finance Genie where all of our staff involved in your finance application have passed the SAF Expert test. This makes us ready to assist and give you the best advice on any queries you may have.

CFG Quality Assured

Here at Car Finance Genie, every vehicle is quality assured to our highest quality assurance standards. Our rigorous checks and trusted dealers mean you can drive away without having any worries on your new vehicle’s quality.

No Deposit Finance Available

Want to get a great car finance deal but haven’t been able to build up a deposit to put towards it? No problem! We offer various flexible options within our finance options including bad credit finance and car finance without a deposit. Whatever your situation, we’ll try our best to help!

Years of Experience

Our experts have many years of experience combined- whatever your situation is, we’ve probably seen it before! There’s no question our car finance specialists won’t try and answer. Put it to the test and get in touch today!

We are extremely proud of every single one of our independent customer reviews

Rated 5 stars in over 124 independent Trustpilot reviews

Make us your one-stop shop for no-deposit car finance

At every stage of our relationship with you, we will strive to provide a communicative, honest and stress-free service. We don’t believe that you should be scared of applying for car finance, but you should also expect easy-to-understand, plain-English and responsible information.

We’ll help you to make the right decision for your personal situation, whether you have good or bad credit, and whether or not you wish to put down a deposit or have a guarantor.

It’s simple; when you request a quote from us online, we’ll assess your particular needs and call upon our wide panel of lenders, so that we can present you with the most competitive deals for bad credit car finance with no deposit.

You will then be able to pick the deal that works for you, before our vehicle sourcing team helps you to find the perfect car for your needs and budget.

Finally, you’ll just need to complete the required documents and will be handed the keys for your new car. It’s all possible with our straightforward, hassle-free and transparent service at CarFinanceGenie.

Car Finance With No Deposit FAQs

If you have been refused a no deposit deal by another company, it is probably because they aren’t specialists in no deposit or bad credit score car finance. Because we specialise in finding a solution whatever your situation, we could help.

Applying for no deposit car finance could not be easier. All you need to do is fill out a quick application on our website and let us know how much you want to borrow and how long you want the repayment period to be. Use our calculator here to find the best situation for you!

It is that easy!

We love providing positive applications here at Car Finance Genie. We try our hardest to find a solution to whatever your problem may be. Even if a no deposit solution isn’t right for you, we have plenty of other solutions to try and find a successful route through your application.

The car finance deal that you can obtain – as well as the one that best suits your requirements – will naturally depend on a range of factors and we are on hand to help when you are choosing a product that fits your needs. Obtaining the best car finance deals available to you will depend on factors such as your personal and financial circumstances, your age, employment, and credit rating. We work with several different lenders and will always ensure that we have found you the best deal possible. Whether you have CCJs on your file, are in an IVA or have been previously declared bankrupt (now discharged) we are here to try to help.

At CarFinanceGenie we promise to make the process of finding and financing the perfect car stress free. For far too many people securing car finance is an arduous and long-winded task. In 2018, our co-founders set out on a mission to simplify a process that can be daunting and confusing, and we take great pride in our exceptional track record in achieving acceptance for customers who may have struggled to get car finance in the past. CarFinanceGenie provide a stress-free and honest service for those who simply want to find the right car for the right price. We break down all the technical jargon and we supply all the information so you’re able to make an informed decision. It is our mission to be straightforward and honest with 100% of the people we deal with. We operate with complete transparency and ensure that you are communicated with every step of the way.