Car finance near you

Car finance in London has one wrinkle nowhere else in the UK shares: the ULEZ. Whatever you finance, the emissions rating matters as much as the monthly payment. We help thousands of London drivers a year find the right car and the right finance in one go.

Manchester has one of the fastest-growing used-car finance markets in the UK. Drivers here tend to buy from the north-west's cluster of used-car supersites and finance the purchase through a broker rather than the dealer.

Birmingham sits at the heart of the UK car industry and it shows in the finance market: sharper dealer competition and more used-car stock per postcode than anywhere else in England.

Glasgow is Scotland's biggest car market and drivers here typically hold cars for longer than the UK average — 6.2 years vs the UK's 5.4.

Liverpool has one of the busiest used-car markets in the north-west, with a large concentration of dealerships across Speke and Aintree.

Leeds drivers finance more used than new cars than the UK average, and rate refinancing highly as a way to cut monthly payments.

Sheffield's Clean Air Zone means diesel emissions matter more than in most cities — worth checking before you finance a specific used car.

Bristol's CAZ launched in November 2022. EV and hybrid finance is growing fastest in the south-west's biggest city.

Edinburgh's LEZ has been in force since June 2024 in the city centre. Petrol and EV models make up the bulk of local finance searches.

Cardiff is the largest car finance market in Wales, with strong appetite for both PCP and HP across the Vale of Glamorgan.

Newcastle drivers typically cover higher annual mileage than the UK average — HP often works out cheaper than PCP as a result.

Nottingham's ULEZ-style workplace parking levy has nudged local drivers towards low-emission and EV finance options.

Leicester has one of the youngest driver demographics in the UK, and first-time car finance is our most-searched local product here.

Southampton's CAZ launched in 2022. Local drivers finance a mix of new and lightly-used cars, with strong PCP take-up.

Portsmouth is one of the densest cities in the UK — smaller, insurance-friendly cars dominate local finance searches.

Aberdeen drivers cover the highest average annual mileage in Scotland — long-term HP suits the local usage pattern.

Dundee's affordable used-car market keeps average finance amounts among the lowest in Scotland.

Plymouth is the largest car-finance market in the far south-west of England, with a healthy mix of PCP and HP demand.

Home of British car manufacturing — Coventry drivers finance a higher share of British-built models than the UK average.

Hull's used-car market punches above its weight, with strong dealer competition around Hessle Road and Hedon Road.

Bradford drivers finance more used vehicles than new — HP is the most popular product locally.

Stoke has a strong network of independent used-car dealers, giving finance customers plenty of choice on stock.

Wolverhampton drivers rely heavily on the West Midlands used-car circuit, with easy access to Birmingham stock too.

Derby's motor-industry heritage supports a strong local car finance market with sharp dealer pricing.

Swansea is the second-largest car finance market in Wales, with high demand for family SUVs on PCP.

Milton Keynes drivers cover longer commutes on average — long-term HP and lease deals are popular locally.

Northampton sits at the crossroads of the Midlands motorway network — high-mileage finance products dominate.

Reading is one of the strongest company-car towns outside London — business car finance is a big segment locally.

Luton's proximity to the M1 and Luton Airport keeps mileage high and shifts finance searches towards HP.

York's CAZ is one of the smallest in England — most modern petrol and diesel cars are compliant.

Oxford's ZEZ (Zero Emission Zone) is the strictest in the UK — EV finance is disproportionately popular here.

Cambridge has one of the highest EV take-up rates in the UK — used-EV finance searches lead the way.

Brighton drivers finance a higher share of small city cars than the UK average — parking constraints shape the market.

Bournemouth's older-skewing demographic favours HP over PCP, with strong appetite for automatic cars.

Norwich's used-car market is dominated by supermarket-style dealers across the A47 corridor.

Ipswich drivers cover more country miles than the UK average — no-mileage-cap HP is often the better fit.

Preston is a key car-finance hub for central Lancashire, with strong dealer competition on used stock.

Blackpool has one of the highest specialist bad-credit finance shares in the north-west.

Sunderland's Nissan-heavy population makes locally-built Qashqai and Juke among the most-financed cars in the north-east.

Middlesbrough's used-car market is highly PCP-oriented, driven by a young driver demographic.

Exeter's used-car finance market is smaller but sharp — dealers here compete hard on APR.

Gloucester sits at the crossroads of the M5 corridor — high-mileage HP dominates.

Swindon has one of the highest per-capita new-car finance rates in the UK, driven by strong local employment.

St Helens drivers rely on the north-west used-car circuit, with Manchester and Liverpool both an easy drive.