Flexible finance
at a speed that
suits you

from first cars to flash cars, we’ll find
the right deal for you.

Representative Example

Borrowing £5,500 over 48 months with a representative APR of 19.8%, the amount payable would be £163 a month, with a total cost of credit of £2,283 and a total amount payable of £7,783.

Click Car Loans is a credit broker, not a lender. Our rates start from 6.9% APR. The rate you are offered will depend on your individual circumstances.

View loan amount by:

My monthly budget

To pay back over

My credit score is

You could get a car worth

£6,847
No impact on your credit score

Representative Example

Borrowing £5,500 over 48 months with a representative APR of 19.8%, the amount payable would be £163 a month, with a total cost of credit of £2,283 and a total amount payable of £7,783.

Click Car Loans is a credit broker, not a lender. Our rates start from 6.9% APR. The rate you are offered will depend on your individual circumstances.

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Can I get car finance with no deposit?

Looking to buy a car but don’t have spare money sitting in your bank account? At Click Car Loans, we specialise in no deposit car finance – we’ll make sure you can fund your next vehicle without paying anything upfront, whilst still finding you the best possible deal. We can even help you find a car if you’re still hunting for the right one.

How does no deposit car
finance work?

There are a few ways to finance a car without a deposit. Options include taking out a personal loan, or finding a Personal Contract Purchase (PCP) or Hire Purchase (HP) deal that doesn’t require a deposit.

No deposit car finance options

There are a few ways of financing a car with no deposit – we’ve summarised some of the differences below.

If you’re already starting to feel overwhelmed by all the confusing acronyms, don’t worry – we’ll guide you through every step and make sure you get a car finance deal that fits your needs, with zero deposit as a priority.

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How much can I borrow without a deposit?

How much you can borrow will depend on factors including your credit score and personal circumstances.

If you’ve got your eye on a luxury car, we often help customers looking for high value car finance – you’re only limited by the monthly payments you can afford.

If you’re not yet sure what you can realistically afford, we’ll help you figure that out.

Is no deposit car finance right for me?

Still not sure if no deposit car finance is the right option? We’ve summarised some of the key pros and cons.

The positives:

  • If you don’t have any savings but want a new car, no deposit finance is the fastest way you can get the keys to your next set of wheels.

  • Even if you do have some money set aside, we understand that you might want to use this for other things – maybe you’re planning to renovate your home, saving for a holiday, or simply value having some emergency funds for any unexpected surprises life throws at you.

Worth remembering:

  • Whilst the flexibility or arranging car finance without a deposit is ideal for many people, it’s always good to be aware of the trade-offs. In general, finance deals that don’t require a deposit will mean you pay back more money overall; your monthly payments might be higher than they would have been if you’d paid something upfront, and the loan term might be longer.

Why choose Click Car Loans for car finance?

Our ethos is to ensure our customer is always happy. A car is about more than just getting from one place to another. A car is a style statement. It is a home outside of our home - getting it right is important. So is choosing a car finance company that puts your needs first.

We can help you if you’re looking for no deposit car finance - even if you are not purchasing the car from us!

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What happens next?

First things first, take a moment to use the car finance calculator to see what you think you can afford. Then, we will get you a quote. As long as you are approved in principle, we can talk! We will allocate you a personal car finance specialist who will work with you and our huge pool of car dealers to find your dream car. And if you already have a car in mind, let us know and we will run full security checks on the vehicle to make sure it fulfils your needs before we get on to the finance shopping!

Any questions? Just ask!

Still questions about getting a car finance quote?

Our dedicated team of advisors are happy to help.

Call us on
0333 005 0001
Free phone between 9am - 7pm
Lines are open

Or email us at