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Find the car you want with a fast loan - even with a bad credit history...

Get a loan to buy a car, motorbike, campervan or caravan

If you're looking at buying a new or second hand car, you may want to consider a personal loan rather than opting for finance from the dealer. The APR can be much better especially if you have any special requirements such as a loan for a classic car or motorbike or if you have a poor credit rating.

Organising the finance yourself can give you the following advantages:

• Sorting your own finance puts you in a good position to shop around - you aren't tied to one dealer.
• If you have the loan in place beforehand, you can use the fact you are paying 'cash' to negotiate a lower price.
• You can use a personal car loan to buy something out of the ordinary such as a vintage or classic car or motorbike.
• If you are organising your own car loan, you can buy privately from classified ads, car auctions or ebay - often at a large saving against dealer prices.
• A personal loan is very often at a much lower APR than car finance especially if you need a bad credit car loan
• You can use your loan for almost any purpose beside a car - for example you can use it to pay off expensive credit cards and consolidate other existing debt

Car finance guide in the Daily Telegraph (opens in new window)