BMW 2 Series
Sporty styling, premium comfort and a strong choice for drivers who want something refined.
We'll find you the perfect car
Compare finance options from trusted UK lenders and see what your next car could look like.
Quick decision Buy from any reputable dealer No broker fees Quick decision Buy from any reputable dealer No broker feesCar Loans UK is a credit broker, not a lender. Rates from 10.9% APR. Representative 21.6% APR (fixed).
Representative Example (Hire Purchase): Borrow £6,000 with £0 deposit over 60 months with a representative 21.6% APR (fixed). 60 monthly payments of £157.92. Final Option to Purchase Fee: £10. Total cost of credit: £3,485.20. Total amount payable: £9,485.20. Car Loans UK is a credit broker, not a lender. This is an example only; all finance is subject to status. Lender fees may apply.
Our lender panel
Working with lenders including:
CAR LOANS UK: HOW DOES IT WORK?
A step by step guide:
Our aim at Car Loans UK is to find you the perfect vehicle and finance plan. Our experienced consultants do the hard work,
saving you the time and effort. We will actively source you the ideal used car and finance package from our panel of lenders.
STEP 01 ⸺
FILL IN
DETAILS
Fill in your details using the form above or click here to begin the process.
STEP 02 ⸺
WE FIND YOUR
PERFECT CAR
We find you the perfect used car. Whether you have a specific make or model in mind, or just want a 5-door family car with air conditioning, our team will find the right car for your needs.
STEP 03 ⸺
SOURCE
FINANCE
We work with a panel of UK lenders to try and find you a finance agreement and payment plan that suits your budget. We carry out the relevant checks and keep you informed every step of the way.
So, let Car Loans UK take the strain of searching for a new car and finance plan away, and begin your journey today.
Real Example vehicles BMW 
Juke A-Class Polo Q2
Find Your Next Car
Swipe through example cars and click any vehicle to view an example finance breakdown. Your options will depend on your circumstances, lender decision and vehicle availability.
Nissan Juke
Compact SUV practicality, distinctive styling and a popular everyday choice.
Mercedes A-Class
A smart hatchback with a premium badge, modern interior and strong road presence.
Volkswagen Polo
Reliable, compact and easy to live with, ideal for commuting and first-time finance buyers.
Audi Q2
A compact premium SUV with sharp styling, everyday practicality and a comfortable driving feel.
QUICK AND SIMPLE FINANCE TOOL
USE OUR FINANCE
CALCULATOR
Discover how much you could borrow
before you apply
Car Loans UK is a credit broker, not a lender. Rates from 10.9% APR. Representative 21.6% APR (fixed).
Representative Example (Hire Purchase): Borrow £6,000 with £0 deposit over 60 months with a representative 21.6% APR (fixed). 60 monthly payments of £157.92. Final Option to Purchase Fee: £10. Total cost of credit: £3,485.20. Total amount payable: £9,485.20. Car Loans UK is a credit broker, not a lender. This is an example only; all finance is subject to status. Lender fees may apply.
Finance Types
Finance Types: Personal Contract Purchase (PCP) vs. Hire Purchase (HP)
Car Loans UK are a credit broker working with a panel of trusted UK lenders. In the main, there are two main types of repayment plan for your used car. These are Personal Contract Purchase (PCP) and Hire Purchase (HP). Please see below for a list of key features for each product and how they differ from one another.
Aspect
Compare the key differences
Personal Contract Purchase
Ownership
At the end of the PCP agreement, you have the option to make a balloon payment to own the car outright. Alternatively, you can return the car or trade it in for a new PCP deal.
Monthly Payments
PCP payments are typically lower than HP payments because you are only covering the car’s depreciation during the contract term.
Flexibility
PCP offers more flexibility with options to keep, return, or trade in the car at the end of the term.
Mileage and Condition
PCP agreements usually have mileage limits and condition requirements. Exceeding these limits can result in additional charges.
Hire Purchase
Ownership
With HP, you make fixed monthly payments over an agreed period, automatically taking over ownership of the car after making the final payment.
Monthly Payments
HP payments are typically higher because you are paying off the entire value of the car.
Flexibility
HP is less flexible, as the primary goal is to own the car outright after the final payment.
Mileage and Condition
HP agreements do not typically have mileage restrictions since the car will be yours once all payments are completed.
Car Loans UK is a credit broker, not a lender. Rates from 10.9% APR. Representative 21.6% APR (fixed).
Representative Example (Hire Purchase): Borrow £6,000 with £0 deposit over 60 months with a representative 21.6% APR (fixed). 60 monthly payments of £157.92. Final Option to Purchase Fee: £10. Total cost of credit: £3,485.20. Total amount payable: £9,485.20. Car Loans UK is a credit broker, not a lender. This is an example only; all finance is subject to status. Lender fees may apply.
Finance Types
Finance Types: Personal Loan vs. Personal Contract Hire (Leasing)
Two other car financing options are Personal Loan and Personal Contract Hire (leasing), which are two very different products. To help you make an informed decision that aligns with your needs and preferences, we have broken down their key components.
NB: Please note that neither of these two products are offered by Car Loans UK, but are included here for information to help you make the right choice.
Aspects
Personal Loan
Personal Contract Hire (Leasing)
Ownership
You would own the car immediately if you used a personal loan to pay off the full cost of the car.
You don’t own the car; it’s returned at the end of the lease term.
Flexibility
You would have no mileage or usage restrictions and could modify the car should you wish to. However you may find there is limited protection if the car is faulty. Recourse is against the seller only with Section 75 not applying to a personal loan used in a private sale.
Leasing may have restrictions on mileage and modifications.
Long-Term Value
You would own the car and could choose to sell should you wish to change it.
No equity is built, and there’s no asset value at the end of the lease term.
Monthly Payments
These would be applicable under the terms of the loan agreement and not tied to your specific vehicle.
Monthly payments are usually lower since there is no ownership at the end of the lease term.
Commitment
As the loan and car purchase would be separate entities, you would be committed to paying back the full cost of the loan with limited protection against any car that you purchased with the loan funds.
Leasing offers a shorter-term commitment as the vehicle will never be owned.
FAQs
If you have any further questions about car finance, our friendly team is here to help. Speak to an expert today for free support and guidance.
CONTACT US A used car finance plan is an ongoing payment plan enabling you to pay back the cost of your used car over a set period of time agreed between you and the dealer or lender. Spreading the cost of monthly repayments is often over a period of four years, but in some cases this can be longer or shorter. It is quick and easy to obtain a quote for a car finance plan with Car Loans UK. See how car finance works.
Car finance is a widely used method of paying for a used car over a set duration of time. According to the Finance and Leasing Association, approximately 2.1 million customers used car finance to fund a vehicle purchase in 2025. Online approval for your car loan can be fast and efficient, and many dealers also accept those with a bad credit rating or those seeking a payment plan without an initial deposit.
A car finance broker like Car Loans UK can help find you the right used car with the right repayment plan. You get access to a wide range of available vehicles to fit your specifications, with clear pricing displayed and the ability to filter searches to see used cars from dealers close to your home location.
Going independently to a dealership may mean you miss out on a better deal. By using Car Loans UK as your broker, we can quickly and easily put you in touch with a much wider range of used cars and dealers across the UK. Approvals can be fast — often within 60 seconds.
You may still be able to obtain car finance if you have a bad credit history. The application process remains the same regardless of whether you have a good or bad credit history. Whilst an acceptance is not guaranteed, Car Loans UK features deals from lenders who specialise in customers with a lack of credit or bad credit history. Find out more here.
Rather than visiting lots of independent dealers online and filling out multiple forms, using a broker like Car Loans UK is a better use of your time. Car Loans UK lists deals on a wide variety of used cars from hundreds of dealers across the UK, providing a wide range of options from a panel of lenders — including those who specialise in bad credit car finance.
You may still be able to get car finance with no deposit, as not all lenders request one. Car Loans UK has lenders who consider no deposit options. Some customers also have an existing used car to trade in, which is a good way to bring monthly repayments down. Find out more here.
Our Blog
