Are Car Finance Companies Open On Sundays?

The week seems to just fly by, doesn’t it? It’s crazy really! It’s a mystery why we never seem to have time to get everything done by Friday. And then comes the weekend, when you’re supposed to be having a rest and relaxing, because we all need a bit of a break from the hustle and bustle of the daily routine. 😴

Well, that’s easier said than done - when there’s something you’ve got to do pretty urgently, you’ll be quite happy to get a bit of extra time to tick it off your list on the weekend. That also goes for all things car finance. If you’re reading this, you’re probably wondering whether or not your car finance provider is open on a Sunday. Can you get car finance 24 7 in the UK? Let’s explore!

Spoiler alert: because of the high demand for their services, car finance companies in the UK have to be available round the clock. Apart from providing online services for their customers, many car finance companies are open on Sundays. This allows buyers to reach them at any time for queries and feedback. I think these days, like everything else we expect car finance to be 24-7.

Choosing a 24/7 Car Finance Company

Car finance can be an incredible tool for you to purchase your next vehicle without having to compromise on other important spendings. However, you’ll have to take a few important measures if you want things to run smoothly. One of those measures is choosing the right finance provider that fits your needs. Here are a few factors to keep in mind when selecting your car finance lender. 

Will You Get 24/7 Car Finance? 

Some dealerships and certain car finance companies are open in the UK seven days a week... But you will find that some car financing companies only have standard operating hours from Monday to Friday. What if you need help on a weekend?! You can buy a car on line so as you might expect you can also get car finance 24/7 for used cars online too. 

On Saturday and Sunday, some companies operate slightly shorter hours, on average between 9.00 a.m. and 6.00 p.m. Some also open on bank holidays to cater to customers seeking car finance or needing help with their existing agreement. We should probably blow our own trumpet at this point, as Carmoola is open 24-7!

Do make sure that you go for a car finance provider that you can get in touch with easily too. There are so many reasons that you could want to contact them, for example:

  • To renegotiate your monthly repayment amounts
  • To change the term of your loan, making it longer or shorter
  • To end your finance agreement 
  • To part exchange your current car for a new one
  • To notify them of financial hardships that could delay payments
  • To talk about your credit score
  • And many more. 

Are the Services Easily Accessible Online? 

These days, there’s no longer any need to wait hours on a phone in order to get a simple yes or no from your car finance company. Everything can be done online, from the comfort of your home or in the middle of a busy workday. Make sure you go for a lender that has online services like an app, interactive website, or live chat/email. You should be able to easily and effortlessly complete your car finance application, without having to organise your whole day around it. 

Is the Company Flexible Enough for You? 

Flexibility is probably one of the most important attributes for a car finance company to have. Why? Well because it’s so important for your car finance agreement to be able to adapt and mould to your life, and not the other way around. Owning a car shouldn’t be a burden, it should feel freeing and exciting! And the only way to ensure that is to choose the right lender. 

Going for a car finance company that is open on Sundays is a good start. Additionally, many car dealerships are also open on Sundays to meet the demand of busy buyers. This could mean that you’ll have access to car finance 24/7 and you’ll be able to buy used cars online whenever you want. 

How Does 24/7 Car Finance Work 

So, if you’re anything like us, you’re probably scrolling down your phone screen on a Sunday, frantically attempting to find a car finance provider that is open on Sundays. Well, you’re in luck, my friend. Here are a few steps to follow if you want to get access to 24/7 car finance. 

Get A Pre-Approval From Your Lender

If you choose the right car finance provider, you’ll be able to get what is called a decision in principle from the comfort of your home. Decisions in principle are basically pre-approvals you’ll be able to get from your lender. They’re great for different reasons:

  • They’ll allow you to compare different interest rates and APRs to be able to find the best deal.
  • Unlike an actual loan application, decisions in principle aren’t recorded on your credit record, so you don’t have to worry about being rejected and it damaging your credit report. 
  • You’ll be able to shop around and be sure you’re getting an agreement that suits your needs. 
  • You can assess whether or not lenders are inclined to give you a car loan or if you should be working on your credit score before you actually apply formally
Get Contacted by Your Finance Company 

Once you provide all your information, some companies will get a credit specialist to contact you with more follow-up questions or clarifications. If you are approved for a loan, then they will talk you through the details of the loan, and it's really important that you take the time to understand what is being offered. 

However, more technology-forward companies such as Carmoola (hi, that’s us! 😊) will give you a decision instantly and will provide you with all the information you need within an app, so you are free to read through and take your time to understand the terms. They are in plain English, as short as possible and easy to understand. You won’t have to shuffle around looking for different pieces of info, it’s all in the app! Do bear in mind that all finance applications are subject to status and eligibility, and based on your individual circumstances. 

You Choose Your Dream Car

Once you get that well-awaited pre-approval for your loan and your car finance quote, you can now choose the car you want to purchase. Now, you’ll most likely have done that already, because who hasn’t dreamt about their favourite car? With your pre-approval in hand, you will know how much you are able to borrow. This could be through different types of finance agreements, like PCP, or HP

Some dealerships have all of their available cars on their website, so you can browse without having to leave your home, even on a Sunday! When you get a car loan through Carmoola, you’ll be able to spend it at reputable and trusted dealers in the UK, directly through the app. It’ll only be a matter of choosing the best car for your budget

Your Car Gets Delivered

Once your car is ready, you can either pick it up (you might want to do a test drive) or even have it delivered to your doorstep. If you have bought from an online car company then they usually offer free delivery in about a week's time from when you purchased it. And you usually have a period of time during which you can send it back if something's wrong or not as described.

Your Pay Your Monthly Loan Amount

Now, all that’s left to do is enjoy your awesome car! And pay the monthly repayment amount for your loan, until the end of its term. Another head's up - with a Carmoola loan your first payment will be up to a month after you take out your loan. 


Buying a vehicle via car finance is very popular in the UK - and that’s not for nothing. Car finance providers are making it increasingly easier for people to get loans. As a matter of fact, in the UK, most car finance companies open on Sundays to meet the high demand for financing deals. This availability is really helpful for many consumers.

If Sunday is your only free day, you are in luck, because Carmoola is always available via the app, 24/7, for you to start your application. And you get a decision within minutes!  👍  No waiting for someone to contact you on Monday!