Used Car Finance in Manchester

Applying for car finance in Manchester is quick and fully online with Carmoola. You’ll just need to answer a few simple questions in our app. We’ll run a soft credit check to confirm your eligibility, but it won’t affect your credit score.
Here’s what we’ll need from you:

• Your full name and date of birth
• Your address in Manchester and how long you’ve lived there
• Your employment status and income before tax
• How much do you want to borrow

To finish your application, you’ll also need to upload:

• Proof of ID – like a UK driving licence
• Proof of income – like bank statements

We offer UK-wide car finance. So, whether you’re based in Didsbury or Rochdale, you can apply anytime, anywhere. To get started, Get A Budget!

Yes, you can get used car finance with no deposit in Manchester, especially with HP car finance (Hire Purchase). For PCP car finance (Personal Contract Purchase), a 10% deposit is more common to reduce monthly repayments. Higher-value cars may be harder to finance with £0 upfront, but there are plenty of affordable options out there. Approval depends on the car’s make, model and price, and your eligibility. 

No, every car finance application in the UK requires a credit check. You might see ads for no credit check car finance online, but here’s the deal: all regulated lenders must carry out at least a soft credit check to assess your eligibility. It won’t affect your score, but it helps make sure any offer is fair and affordable. However, we'll run a full credit check, or 'hard credit search' if you choose to sign your Carmoola agreement, which may impact your credit profile.

Yes, you might be able to get a car on finance with bad credit (low credit score) in Manchester. The amount you can borrow with a poor credit score varies by lender. It might be less than if you had good credit, and the interest rates may be higher. Providing a larger deposit or having a guarantor could increase the amount you're eligible to borrow. 

As a lender, Carmoola will look at your full financial picture. If we can’t help right now, we may be able to refer you to one of our trusted partners who might be able to. In those cases where we can’t offer finance ourselves, Carmoola will act as a credit broker.

Being unemployed doesn’t automatically mean you won’t qualify for car finance in Manchester. However, lenders like Carmoola will need to see proof of income, such as benefits or self-employment earnings.