Low rate car finance


Looking for a cheap low rate car finance deal?

Finding the best car loan deals can be quite the task, especially with so many car loan providers in the UK to choose from. 

Here at Socialmotors, we make it our mission to obtain low rate car finance packages for our customers. We have access to exclusive car loan rates from over 20 car finance companies in the UK, giving us the ability to make sure we provide you with the best deal available for your personal circumstances. 

Our current finance types available are

Low rate car finance deals in the UK


We understand it can be hard to find the time to shop around your local dealers for the best car finance deal available, especially with work and family commitments to think about, which is why we assign you with your very own personal account manger.

Your account manager’s job is to help you make the right choice for your future and give you advice and support throughout your whole car buying experience.

Our service gives you the ability to choose your new or used car from the comfort of your own home in your own time.

We offer low rate finance options for all makes and models and have some great deals on the most popular like Audi, Bmw, Jaguar, Mercedes, Mini and Volksawagen. To view all the great deals we have available click here

When you have chosen, we will then deliver your new car for you to sign for usually within 48 hours. All our vehicles come with 12 months Mot and a comprehensive warranty and of course, its car finance with no deposit to pay.

Why not use this car finance calculator to get an idea of your monthly repayments for any loan based on the car price, interest rate, length of term and deposit.


Low rate car finance – What our customers think…


Scott Royle
Scott Royle
20:54 22 Feb 19
Really happy with my car and great service car delivered by a really nice bloke and everything felt very personal
Gayle Eaton
Gayle Eaton
12:33 01 Aug 17
Very good service very happy
kim summers
kim summers
13:30 13 Jun 19
Received my new car yesterday..... delivered all the way to Hull..... the gentleman who delivered it was very polite.....A big shout to David for all the hard work and patience finding me a nice car...... I am absolutely thrilled with it........ I would thoroughly recommend this company to anyone, David was very friendly and was helpful through the whole process from beginning to end and would hesitate to recommend this company to my family and friends, thank you 😊
See All Reviews Write a review



Low rate car Finance 


If you are buying your very first car, upgrading to a better model, or looking to get the car you’ve always dreamed of, we have the best finance solutions for your needs.

We give you a quick and easy way to buy your new or used car on finance, with the best rates available in the market. With nothing to pay upfront nor any hidden fees to pay along the way.

We treat all applications from our customers on an individual basis. The flat rate of interest is subject to change plus the APR representative is not guaranteed to be the rate you will receive.

The interest rate your are offered is based on the finance companies assessing your personal and financial circumstances. The maximum APR you are offered will be 49.9%*. All car finance loans are subject to your credit status.

3 steps to your low rate car loan

Make an application online

Apply now or call us, one of our experienced advisors will take some basic details for our lenders to review. If approved you will be offered a credit limit for your new car.

Choose your car

Once you have your credit limit, one of our advisors will assist you in choosing your new car from our showroom – we have over 1000 vehicles available in group stock, at this stage you will be able to discuss your needs and establish the car you want.

Documents and Delivery

We will now prepare your new car for delivery and get it to you usually within 48 hours, giving you a free 12 month comprehensive warranty & 12 months MOT. Once your car arrives, if you’re happy you sign your finance documents.

Low rate car finance application criteria

Do you meet the low rate car finance application criteria?

To be eligible for low rate car finance all you need is to…

  • Be aged 18 or over
  • Hold a full UK/EU driving licence
  • Be UK resident for 3 years
  • Have a Full time, part time job, be self-employed
  • Not bankrupt

Help Centre

 Frequently Asked Questions

I’ve already been declined, can you help?

If you have a low, poor, bad credit, no credit score whatsoever or been refused for a car loan from other finance companies.. read more 

Can i trade in my old car?

Having a part exchange when buying a vehicle with Socialmotors is not a problem, as we will accept your old motor as a deposit.. read more

How to finance a car?

At Socialmotors, you can choose your new or used car finance – from over 40 thousand available in group stock.. read more

Can you help people with average credit?

Do you have a fair credit rating? If yes, there is a very good chance you will be able to be approved.. read more

Latest updates, news and car reviews

Low rate car finance and more info about our service.


Socialmotors will help you make the right decision when choosing your car finance package, we compare the best offers from our lenders daily ensuring you will receive the lowest interest rate you can get.

Even if you have existing finance already and want a new car we can help. See, What about existing finance