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.

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

Fixed interest rate / annum
5.12%
Total amount payable
£16,158.99
Optional final payment
£6,268.75
Excess mileage charge*
14.9p per mile
48 monthly payments
£164.38
Total amount payable
£3,668.99
Annual mileage limit
6,000

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

Can I buy a car on finance at a Carsa Store?

Absolutely. If you visit a Carsa branch, our team can help you set up finance on the spot. The process is the same as online: we’ll gather some details and submit the application to our lenders. You can then sign the finance agreement digitally or in person once approved. So even at the store, you can purchase a car with a finance plan.

Can I change my finance application?

If you haven’t finalized your finance agreement yet, yes, we can adjust the application. For example, if you want to change the deposit amount or the length of the term or even the type of finance, we can work that out (it might mean doing a new quote or application, but it’s doable before signing). However, if you’ve already been approved and signed the agreement, changing it would mean cancelling that agreement (which usually you can do in the early cooling-off period) and starting a new one – not an ideal route unless necessary. So definitely speak up about any changes you want before you sign the finance contract. We’re pretty flexible up to that point.

Where’s my PIN to complete e-signing?

When you’re completing the finance e-sign process, the PIN is usually sent via text message to your mobile phone. It’s a one-time code from the lender to confirm it’s you signing the contract. So, check your phone for an SMS from the lender (or sometimes an email if they use that method). If you still can’t find it, let us or the lender know, and they can resend the PIN. It’s a security step – they typically send a 4 or 6 digit code that you then enter to finalize the e-signature.

When does my contract end?

Your finance contract will end once you’ve made all scheduled payments (and paid any final balloon payment if it’s a PCP). For example, if you took a 48-month term, it ends after the 48th payment (or when the balloon is settled). The specific end date will be listed on your finance agreement. You can also contact your lender to find out the exact date or remaining payments. In short, it ends when the loan is fully paid according to the agreement.

What deposit do I need to pay?

We’re quite flexible – you can put down as much or as little as you want, even £0 deposit if that suits you. Of course, paying a deposit (like 10% or any amount) will reduce your monthly payments, but if you prefer a zero-deposit deal, that’s possible too, subject to credit approval. So, in short, there’s no fixed required deposit; it depends on what you’re comfortable with and what the finance approval comes back with. Many customers choose to pay something upfront, but it’s not mandatory.

Once I've been approved for finance on a Carsa car, what are the next steps?

Congrats on the approval! Next, we’ll finalize the paperwork. You’ll likely receive a finance agreement to sign (often electronically). We’ll also arrange the vehicle handover details with you – such as setting a date for collection or delivery and taking any deposit payment if you haven’t paid it yet. Basically, once approved, it’s about signing the contract and then picking up your car. We handle the liaison with the finance company, so after you sign, we draw down the funds from them and you get the car on the agreed date.

What happens at the end of my PCP agreement?

At the end of a PCP, you’ve got three options: 1) Pay the final balloon payment to keep the car (this is also called the Guaranteed Future Value payment). If you pay that, the car is yours outright. 2) Hand the car back to the finance company. You’ll hand back the vehicle and, as long as it’s within the agreed mileage and in fair condition, you have nothing more to pay (if it’s exceeded mileage or has excessive damage, charges might apply). 3) Part-exchange the car for a new one – often customers will use any equity (if the car is worth more than the balloon) towards a new car. Basically, you can keep it, hand it back, or trade it in.

How do I apply for finance?

We’ll start with a quick pre‑qualification to estimate the APR you’re likely to be offered. You can run this check yourself on our website or call us and we’ll do it with you. Once you’re happy, we’ll complete the full finance application together over the phone.

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Talk to a real person, anytime.

Our friendly team is just a message or call away.

Email

Reach us anytime at your convenience.

sales@carsa.co.uk

Phone

Call us for quick support and guidance.

0330 040 1031