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No-deposit car finance
No savings put aside? You may not need a deposit at all. Zero-deposit finance may be available on some vehicles, subject to your circumstances and lender criteria, and if £0 is not possible for you there are usually other routes.
- FCA-authorised credit brokerNot a lender · FRN 954552
- No credit check until you say soSoft search only, no impact on your score
- Real dealership in KirkhamBlackpool Road, PR4 2RE · open 7 days
- Family-run, 30+ years in the tradeSpeak to the people who supply the car
- Collect from KirkhamDelivery may be available
A part-exchange counts as your deposit, even a tired one. That is how most of our no-deposit customers actually get there.
Three ways to handle the deposit question
- £0 deposit. May be available on some vehicles for some applicants. The monthly payment is a little higher because you are financing the full price.
- Part-exchange. Your current car, even a tired one, can act as your deposit contribution.
- Small deposit. Even £250–£500 can improve the lender's view and trim the monthly cost.
An honest note
A deposit is not just a hurdle. It genuinely reduces what you pay overall. If you can put something down, it is usually worth it. If you cannot, tell us; we will show you what is realistic either way. No lender can promise £0 deposit to everyone, and we will not pretend otherwise.
Finance is subject to status, affordability and lender approval. Over 18s, UK residents only. We only run a soft-search eligibility check after we have spoken to you and you have agreed to it. A soft search does not affect your credit score and is not visible to other lenders. We are a credit broker, not a lender.
Three straightforward steps
No pressure at any point, and you are free to stop whenever you like. A hard credit search only ever happens at full application, and we will tell you before it does.
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Tell us where you stand
A short form, about two minutes. Sending it does not run any credit check by itself and puts you under no obligation.
No credit check at this stage -
We call you before anything is searched
A person reads your enquiry and phones you. Only once you have agreed do we run a soft-search eligibility check with lenders on our panel who consider adverse credit. A soft search leaves no footprint and other lenders cannot see it.
Invisible to other lenders -
We come back with honest options
Real figures on real cars from our Kirkham forecourt, or a straight explanation if we cannot help right now. You choose whether to go ahead.
Collect from Kirkham or ask about delivery
Work out a monthly figure you are comfortable with
£250.96 / month (illustrative)
These figures are illustrative only and not an offer of finance. They use the representative APR; your rate and payment depend on your circumstances and the lender's decision. Finance is subject to status, affordability and lender approval. Over 18s, UK residents only.
Cars available on finance
*Estimated monthly figures are illustrative, based on the representative example in the footer.
Is no-deposit finance guaranteed?
No. It depends on your circumstances, the vehicle and the lender's criteria. Where £0 is not available, a part-exchange or small deposit usually helps. Subject to status.
Does no deposit mean higher payments?
Yes, slightly. You are borrowing the full vehicle price, so the monthly figure and total payable are higher than with a deposit.
Can I use my old car as a deposit?
Usually, yes. We will value your part-exchange and put it towards the agreement like a cash deposit, even if it still has finance outstanding.
Our promise: we will tell you if we cannot help, and why. No one can guarantee car finance, and anybody who says otherwise is selling you something.
Two minutes. Soft search. Straight answer.
Tell us where you stand. It takes about two minutes, sending the form does not run a credit check by itself, and there is no obligation.
Finance is subject to status, affordability and lender approval. Over 18s, UK residents only. Credit broker, not a lender.