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Car Loans

Have you finally found your dream wheels?

Low rate car loans from

7.4 % APR

Representative on £7,500 to £25,000

Representative on £7,500 to £25,000

Get in the driving seat with a personal car loan

Have you considered buying your next car with a low-interest car loan? Spreading the cost over a series of fixed-rate monthly instalments can help to make a big purchase more manageable.

Applying for a Novuna Personal Finance loan couldn’t be simpler. Our quick online application takes less than ten minutes to complete, and you’ll receive an instant decision from us. You’ll be driving away in your dream wheels in no time…

Buying your dream car can be an easy ride with a low APR car loan

Take out a personal car loan with us and you could enjoy the best rates, flexible repayment terms and outstanding customer support. What’s not to love? Let’s move up a gear – apply for a car loan now and get an instant decision.

  • Finance your next new or used car with a personal loan

  • Cheap car loans, with interest rates from as low as 7.4% APR Representative (£7,500-£25,000)

  • Borrow between £1,000 and £35,000

  • Spread the cost of your car loan over 2 to 7 years

  • Borrow from a reliable lender with over 40 years of experience

  • Quick and easy online car loan application

  • Once complete, if your application is accepted, the money could be yours within two working days

  • No upfront fees or hidden charges

  • After the first payment, choose the date of your other payments

  • Experience award-winning customer support from start to finish

Start your journey today

Take your car loan for a test drive with our online loan calculator. Find out your estimated total or monthly repayments depending on how much you need to borrow and over how long.

Car Loan Calculator

Find out how much our loan could cost each month and in total based on our representative APR. Simply change the amount you wish to borrow or the loan amount to get an instant result.

Choose how to calculate your loan repayments

Representative Example:

Monthly repayment


Interest rate

{value}% APR

Total amount payable


Loan amount


Loan Term

{value} months

Apply Now

A loan of £7,500 over 5 years: rate of interest 7.4% (fixed), 7.4% APR Representative, monthly repayment of £149.09, total repayment of £8945.40

Remember, the rate you are offered may vary due to personal circumstances and loan amount, the majority of our customers receive the advertised rate. However, if you complete an application directly via the Novuna Personal Finance website and are given a higher APR, we guarantee that you'll never pay more than £236.39 per month with our maximum 32.7% APR Representative when you borrow £7,500 over 5 years*.

The maximum APR you could be offered when you borrow other loan values is 36.4%*. All loans are subject to status.

*Only for applications carried out directly via the Novuna Personal Finance website

How does a car loan work?

A car loan is a type of personal loan specifically used to purchase a vehicle. Unlike typical car finance arrangements (such as car leasing, Personal Contract Purchase or Hire Purchase), a loan allows you to borrow the money you need to buy your car outright.

This effectively makes you a cash buyer, which could help you to negotiate a better deal or bypass inflated APR rates often offered by dealerships. You can find out more about the difference between car finance and personal loans in our article.

So how can you use a personal loan to buy a new or used car?

  • Fill out our online application form
  • If accepted, read and sign your credit agreement
  • Look out for the funds arriving in your account within two working days
  • With the money you need ready to spend, start the hunt for your dream car!

How much money can I borrow?

With a car loan from Novuna Personal Finance, you can borrow from £1,000 up to £35,000.

Whether you need a small loan for road vehicles such as a motorbike or scooter, or a larger loan for your dream car, our car loans could be just what you're looking for.

Loan calculator

Drive away with the best car loan interest rates

We offer low-rate car loans from 7.4% APR Representative (£7,500-£25,000). There are no additional fees or charges to worry about either. So you won’t owe us a penny more than the money you’ve borrowed, plus interest.

Get your quote

What can I use my low-rate car loan for?

Our personal loans are tailor-made for you, so you can choose how you spend your money. Plan for a new family car, your very first motor or the classic car you’ve always dreamed of.

Buy a brand-new car

Avoid the high interest rates that often come with new car finance by taking out a personal loan to pay for your new car instead.

Car loans for used cars

Wondering whether you should buy a used or new car? You can negotiate the best deal on a used car by having the money in your account all ready to go thanks to a personal car loan.

Buy from a private seller

Paying for your car in full could give you that all-important bargaining power.

Negotiate a better deal

When you get a personal loan, you'll have the cash you need to buy a car upfront. This effectively makes you a cash buyer which could help you get a better deal.

Get an electric vehicle

If you’re one of the 34% people considering buying an EV as their next car (according to Which?) you could make your journey to sustainability more affordable with a low APR EV loan.

Car repair loans

Our car loans can be used to help spread the cost of your car repairs, helping to make an expensive bill a little more manageable.

Car loan FAQs

Read our customer stories

"I needed a new family car, but finance options were too complicated"

When Jean was looking for a car, she wanted to find a simple way to pay. Novuna Personal Finance made getting a car loan quick and easy so Jean could drive away in the car she wanted.

Read Jean's story

Real customer experiences

Customer satisfaction is vital to our success, which is why we’re the only provider to give full visibility of our reviews, updated in real-time, 24 hours a day. Read all reviews.

Helpful car and motoring guides

FREE tastecard

Get a FREE 12-month tastecard
Apply for your loan directly with Novuna before midnight 31 July to qualify.
Excludes applications via comparison websites

FREE 12-month tastecard
Apply directly with us to qualify.
Excludes price comparison sites