How It Works

4 Simple Steps to Your Next Car

Apply Online

Step 1

Complete our Quick Finance Application Form, our expert team will then source the best available option for your circumstances via our extensive range of partner finance companies.

Quick Approval

Step 2

We will inform you of your credit limit, the maximum amount you can borrow. This will be based on your credit history, income and affordability.

Choose Your Car

Step 3

Now you know the maximum amount you can borrow, browse our stock and choose your Next Car. We have over 100 cars in stock with new stock arriving every day and are also able to source cars to meet specific requirements.

Drive Away

Step 4

Once you have selected your vehicle, complete the remaining finance documentation and drive away in your Next Car!

Rates offered are based on individual affordability and circumstances. Representative example – if you borrow £9,995.00 at 5.77% APR over 60 months, at an annual interest rate of 2.99% Fixed and no deposit, your monthly repayment would be £191.49. Total cost of credit £1,494.25 and total amount payable £11,489.25. Rates may vary depending on individual affordability and circumstances. Subject to approval.


Next Car are specialists in car finance – no matter your circumstances or financial health…

  • Good Credit?
  • Bad Credit?
  • Bankruptcy?
  • Refused Credit?
  • Self Employed?
  • Unemployed?
  • Receiving Benefits?
  • CCJ’s, Defaults and/or Arrears?
  • Provisional & EU Licence?
  • No Deposit?
  • No Part Exchange?

We can help!


Our tailored finance solutions are based on individual circumstances and affordability therefore APR may vary. Ensuring your car finance is affordable and within your budget can also help to repair and rebuild poor credit.

Finance Options

Hire Purchase

Hire Purchase is the most recognised car finance package available. The car is owned by the finance company until you have made all scheduled payments set out in your finance agreement. If multiple payments are missed, the finance company has the authority to reposes the car. Once the final payment has been made, you own the car. Hire Purchase agreements are most often spread over one to seven years and are on a fixed repayment term so your payment will remain the same for the duration of the agreement. With Hire Purchase you do not have to keep the car for the full duration of the agreement term; you can sell, part exchange or upgrade at any time subject to terms and conditions. Our terms range from 12 – 84 months.

Personal Contract Purchase

Personal Contract Purchase offers flexibility to those customers who like to change their car every two to three years. This finance package provides lower monthly payments followed by a large final payment. By the end of the agreement you will have paid off around 30% of the total price and can opt to pay a final large settlement in order to own the car yourself, you can return the vehicle to the finance company or bring it back to us and start the process again to upgrade. Our terms range from 12 – 48 months.

Finance Partners

Next Car works closely with some of the UK’s largest high street lenders, independent and bespoke finance companies in order to offer our customers the best chance of acceptance and the best available rates for all budgets and circumstances.