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Used car finance in Sheffield
Join Sheffield drivers who've already checked their car finance budget with Carmoola. Get approved for car finance in just 60 seconds with no impact on your credit score to apply.
Borrowing amount
Your monthly payments would be
- 🗓️ 48 month contract,
- 💰 £0 deposit,
- ✅ and an excellent credit score
For illustration purposes only. The rate and budget you may be offered will be based on your individual circumstances. This is not an offer or a quote for finance. Rates from as low as 6.9% APR, Representative 13.9% APR.
5964
drivers in Sheffield got their car finance budget
4.9
stars on Trustpilot
179+
car dealers in Sheffield
#1
fastest growing car finance app
Easy car finance in Sheffield
No sales calls or lengthy paperwork. You only need our app, and a full driving licence.
Find your next car in Sheffield
Your local car search just got smarter. Browse thousands of cars from dealerships and see what fits your budget.
Find my dream carAm I eligible for car finance in Sheffield?
To apply for car finance in Sheffield, you’ll need to be over 18, a UK resident for 3+ years, hold a UK driving licence, and be able to show proof of income if needed.
Best used car dealers in Sheffield
You can finance your next car with Carmoola at over
179
dealerships across Sheffield. From Hillsborough, Meersbrook, Rotherham and beyond, you’ll find some of the best used car dealers in the region.
And with more than
10727
dealerships accepting Carmoola across the UK, you’re covered wherever the road takes you.
Top 5 car dealerships in Sheffield offering finance with Carmoola
Here are five top-rated used car dealerships in Sheffield, each known for great service and trusted cars:
Top 5 car dealerships in Sheffield offering finance with Carmoola
Here are five top-rated used car dealerships in Sheffield, each known for great service and trusted cars:
Sheffield Car Centre
45 Ecclesfield Road, Chapeltown, Sheffield, South Yorkshire, S35 1TD
Auto Select
Pottery Lane West, Chesterfield, Derbyshire, S41 9BN
Cross Car Sales
39-41 High Street, Clay Cross, Chesterfield, Derbyshire, S45 9DX
Independent Cars
Unit A2 Aven Industrial Park, Tickhill Road, Rotherham, S66 7QR
Century Motors
Catch BAR Lane, Sheffield, South Yorkshire, S6 1TA
Browse our full list of dealerships in Sheffield
Browse dealershipsCarmoola is not directly affiliated with any of these companies
Real drivers. Real stories
From city commutes to countryside drives, see how real drivers
financed their cars with Carmoola. Their words, their journeys, their keys in hand.
Sheffield car finance examples
Wondering how much car finance in Sheffield might cost you? We’ve crunched the numbers on a Volkswagen Golf (one of the most popular used cars in Sheffield!) to show you real APR examples. From HP car finance to PCP and even refinancing, here’s how it could look with Carmoola.
Borrowing £10,000 over 54 months with a representative APR of 13.9%, an annual interest rate of 13.9% (Fixed) and a deposit of £0, the amount payable would be £246 per month, with a total cost of credit of £3,284 and a total amount payable of £13,285, including a one-off Option to Purchase fee of £1.
Borrowing £10,000 over 48 months with a representative APR of 13.9%, an annual interest rate of 13.9% (Fixed) and a deposit of £0, the amount payable would be £208 for 47 months, followed by an optional final payment of £4,001. The total cost of credit would be £3,776, and the total amount payable would be £13,777, including a one-off Option to Purchase fee of £1.
Borrowing £10,000 over 54 months with a representative APR of 13.9%, an annual interest rate of 13.9% (Fixed) and a deposit of £0, the amount payable would be £246 per month, with a total cost of credit of £3,284 and a total amount payable of £13,285, including a one-off Option to Purchase fee of £1.
Car finance in Sheffield FAQs
Check below for the answers to some of our most frequently asked questions about car finance in Sheffield. Got more questions? Head over to our FAQs page 👍
Can I get no deposit car finance in Sheffield?
Yes, you can get used car finance with no deposit in Sheffield, 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.
Can I get bad credit car finance in Sheffield?
Yes, you might still be eligible for car finance in Sheffield even with bad credit (low credit score). 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.
Can I get car finance in Sheffield with no credit check?
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.
What do I need to apply for car finance in Sheffield?
Applying for car finance in Sheffield 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 Sheffield 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 Chesterfield, Doncaster or Barnsley, you can apply anytime, anywhere. To get started, get a budget!
Can I get a car loan if I'm unemployed?
Possibly, being unemployed doesn’t automatically mean you won’t qualify for car finance. However, lenders like Carmoola will need to see proof of income, such as benefits or self-employment earnings.
Why our
customers keep coming back 👋
Easy to join. Thanks Carmoola, my dream has come true.
HoJing Toyota GT86
Amazing efficiency and a professional way of financing. The paperless system is the top notch.
Biliat Range Rover Evoque
Carmoola is just the best, everything happened in minutes and their staff are simply the best. They made my experience perfect.
Kudzanai DS 3
Outstanding help and support
Got a question? Our friendly, UK-based team is here from
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