Borrow from £100 to £25,000

We Cater For All Types Of Credit History So Dont Worry If You Have Poor Credit! We Can Find A Solution For You! Our Application Process Only Takes Two Minutes From Start To Finish!
  • Apply For £ 50 – £ 1,000
  • Fast Payout
  • No Fees
  • Secure Application
  • Available 24/7
  • Bad Credit




N Whole of Market panel
N Trusted panel of lenders
N From £1,000 to £25,000
N Rates from 5.7% to 278%
N 3-36 month repayment




N Online decision
N Responsible lenders
N Borrow up to £3,000
N Rates from 278% to 1576%
N 3-12 month repayment

Representative example: £500 borrowed for 5 months. Total amount repayable is £991.85 in 5 monthly instalments of £198.37. Interest charged is £491.85, interest rate 236.1% pa (variable). Representative 481.6% APR.

How Will My Application Work?

Fast Payout*

Our team pride ourselves on our processing speed from application to the final loan payout. As soon as the application is submitted it lands in the hands of one of our highly skilled team who take care of it all for you.

Paid Into Your Account

Once your application has passed the application stage and payout is due, we make sure that the loan amount will be paid out straight into your account within 24 hours of you’re application acceptance.

Credit Problems*

We are proud to be able to say we can help all applicants no matter what credit history you have. Don’t waste anymore time worrying over you’re credit score apply today.

Auto Decisioning allows lenders to make a decision on your loan application without the need for human interaction, for more information please contact your lender or see their privacy policy. We Are A Credit Broker Not A Direct Lender

Your Complete Guide to Affording Your Car

How to Get the Car Loan You Need Quickly and Without Hassle

Car Finance 

Car finance allows you to borrow money for a new car or vehicle and is usually a lot cheaper than going directly through the dealership – allowing you to save up to £1,000.

When shopping for your new Audi, VW or Ford, many drivers will use the finance offered by the dealership because of the convenience, but huge savings are available if you compare car finance and apply with a specialist provider.

Car finance products start from 3% APR and range from 1 to 7 years, with different payment options depending on whether you want to own the vehicle outright or trade in your vehicle after a certain period of time. Car finance allows you the flexibility to:

  • Make a minimum deposit of 10%
  • Make no deposit
  • Fixed monthly payments
  • Balloon payments

UnsecuredLoans4U works with a number of personal loan and short term loan providers starting from 5.7% APR – and they specialise in helping customers finance the cars of their dreams.

We can provide an initial quote in just a few minutes – simply use the apply now button to get started today.

How it Works 

You will be given an indicative car finance quote on the screen and can proceed with the provider best suited to your requirements. Once you confirm the loan requirements and have been approved by the car loans provider, you can simply transfer the finance to the dealership to purchase your new car. Simple.

Most customers are able to get approved for car finance on the same day of applying and are often up and running in their new jam jar in less than a week.

Personal Contract Hire 

Personal Contract Hire or PCP, is the most common form of car finance in the UK and includes:

  • Minimum deposit of 10%
  • Monthly payments
  • Balloon payments

Whilst the minimum deposit is 10%, the more you agree to deposit initially, the more of the car you will own and therefore this will reduce your monthly payments.

Similarly, the shorter your loan term, the higher the payments will be, but the more you will be repaying overall since the loan is open for longer.

After a certain period of time, you will be able to make a final ‘balloon payment’ which will allow you to purchase the car outright and then you will own it 100%.

Hire Purchase 

Hire purchase (HP) is another very popular form of car loan, whereby you essentially ‘rent’ the vehicle through monthly payments. There is no balloon payment, but by the end of the loan term, you would have paid off the loan and will own the vehicle outright.

Car Finance No Deposit  

If you are interested in car finance without making a deposit, you can apply for an unsecured loan, which is a basic loan, repaid in equal instalments every month. The monthly rates may be a little higher because there is no deposit to be made and there is no security for the lender. Hence, your eligibility will be based on your credit score, income and affordability.

Car Finance for Used Cars 

If you are looking to purchase a used car, we can help find the best deal for you. Note that the rates charged may be a little higher than for a new vehicle, since used cars tend to be worth a little less.

 Step 1: Budgeting

How to Reduce Your Monthly Payments for Car Finance 

  • Make a larger deposit
  • Good credit score
  • Increase the loan term i.e 7 years (but note that this will cost more overall)

What Information Do I Need to Provide for a Car Loan? 

To get an initial quote, you simply need to know the on the road price of the vehicle that you are looking to purchase. If you are looking to do a part exchange or trade in your car too, it will be important to know its current value (not the value that you purchased it for). With the road price, you will just need to confirm how much you wish to borrow and how long for.

Having a good credit score can help you get the most competitive rates, but it is not essential for approval. Car finance is usually secured against the vehicle, so it is available to customers with bad credit, but if you are unable to keep up with your loan repayments, your vehicle may be in risk of repossession. However if you apply for a short term loan or personal loan, this will not be secured against the vehicle.

How to Apply with UnsecuredLoans4U

Our entire application is online and you can receive an initial quote 24 hours a day, 7 days a week. Your information is held safely on our secure website and your information will be passed onto the best lender to suit your requirements – and not onto any third party marketing companies.

We are passionate about helping for the best car finance deals and successful customers are usually able to receive funds within a week of approval.