Car finance. Made simple.
Finance from 8.9% APR
Exploring car finance? Our free eligibility checker gives you a personalised result in minutes with zero impact on your credit score and no strings attached.
How it works?
Here’s how easy it is to explore your finance options with Carsa.
Start your free check
Just enter a few simple details online. No paperwork, no long forms, and absolutely no commitment. It only takes a minute to get started.
Get instant personalised results
See your approval chance, estimated APR, borrowing power, and finance options, all with a soft check that won’t affect your credit score.
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Search with confidence
Search our cars knowing what’s in your budget. Our prices are typically £700 below market, with no haggling needed.
Apply when you’re ready
Loved a car? You can complete your finance application online or speak to our expert team for support. No pushy sales. Just helpful advice and transparent options.
What is PCP finance?
Personal Contract Purchase (PCP) offers lower monthly payments and flexible options at the end — keep the car, return it, or upgrade. It’s a great choice if you like switching cars regularly.
Finance representative example (PCP)
Total cash price £12,450.00. Borrowing £10,450.00 with a £2,000.00 deposit at a representative APR of 10.9%
*Subject to lender
What is HP finance?
Hire Purchase (HP) lets you spread the cost of your car over fixed monthly payments. Once the term ends, the car’s all yours, no final lump sum. It’s simple, straightforward, and ideal if you plan to keep the car long-term.
Trusted finance partners
Why buy from Carsa?
Flexible finance
from 8.9% APR
Get a personalised PCP or HP quote with rates from just 8.9% APR (Representative 10.9% APR).
No impact on your credit score, see what you’re eligible for in minutes.
Free 90 day warranty
Drive away with added peace of mind. Every Carsa car comes with a 90-day warranty as standard, covering key mechanical and electrical components, so you’re protected from the start.
Checked, verified, and prepared
Every Carsa car gets a full mechanical inspection, a detailed cosmetic prep, and an Auto Trader Provenance check, so you know it looks great, drives reliably, and has a clear history before it hits the forecourt.
Reserve & collect
Pay a £49 refundable fee and we’ll move any car to your chosen Carsa branch for a hassle-free test drive.
Save £700 on average
Our prices sit £700 below Auto Trader market valuations, on average, so you get instant, haggle-free savings.
We keep things simple and transparent, with fair pricing checked daily to make sure you’re always getting a great deal.
Transparent
part-exchange
Get an up-front, data-backed valuation that’s locked in for seven days—no guesswork, no surprises.
We use trusted market data to give you a fair offer right away, so you can plan your next move with confidence.
FAQs
Your monthly payments will be set up as a direct debit with the finance lender. Typically, you’ll select or be assigned a monthly due date (for example, the 1st of each month). After you sign the finance agreement and take the car, the first payment usually comes out about one month later. From then, it’s an automatic monthly debit from your bank account for the agreed amount, on the same date each month, until the finance term is complete.
The monthly payment depends on the car price, your deposit, the finance term, and the interest rate. Each car on our website can show an example finance quote with an estimated monthly payment. For a precise figure, we’d tailor a quote to your situation. We’d need to know how much (if anything) you want to put down, which car you are interested in and over how many years. For PCP we would also need to know your annual mileage. Then we can tell you exactly what the monthly cost would be.
Ready to find your new car?
Explore our extensive selection of quality used cars and find the perfect match for you.
Talk to a real person, anytime.
Our friendly team is just a message or call away.