Quick Car Finance review

Updated September 29, 2026 · BorrowCue Editorial Team · Facts checked September 28, 2026

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Our verdict

Quick Car Finance suits borrowers with weaker credit who want a car purchase arranged through a broker rather than a direct lender. Loans of £3,000 to £50,000 over 12 to 60 with funding in 1-3 working days give clear structure while rates reflect higher risk profiles.

Key facts

Best for
Car buyers with poor credit using a broker
APR
9.9% to 60% (Source, checked September 28, 2026)
Loan amount
£3,000 to £50,000 (Source, checked September 28, 2026)
Term
12 to 60 months (Source, checked September 28, 2026)
Arrangement fee
0 (Source, checked September 28, 2026)
Credit check
Soft prequal (Source, checked September 28, 2026)
Funding time
1-3 working days (Source, checked September 28, 2026)
Representative example
GBP7,000 credit, 60 months, GBP185.33/month, total GBP11,119.80, 21.9% APR fixed HP (Source, checked September 28, 2026)
Rate type
Fixed (Source, checked September 28, 2026)
Lender type
Broker (Source, checked September 28, 2026)
Free early repayment
No (Source, checked September 28, 2026)
Eligibility
18+, UK resident (Source, checked September 28, 2026)
Loan types
Car (Source, checked September 28, 2026)
Credit needed
Poor (Source, checked September 28, 2026)
Pricing model
Fixed rate
Official website
quickcarfinance.co.uk

Apps and profiles

Elsewhere
LinkedInXfacebook.com

Pros and cons

Pros

  • Soft prequalification approach through soft prequal limits early credit impact while shopping for car finance.
  • Car loans of £3,000 to £50,000 cover a broad span of purchase budgets for vehicle buyers.
  • Fixed basis of fixed keeps scheduled payments steady through the agreement term.
  • Origination fee of 0 keeps upfront broker cost at free for car loans.

Cons

  • Free early repayment is no, so exit costs need attention alongside APR of 9.9% to 60%.
  • Funding in 1-3 working days is slower than same day funding seen elsewhere in car loans.
  • APR of 9.9% to 60% can sit above mainstream pricing, unlike Ibancar Prestamos at 12.74% to 13.01%.
Quick Car Finance

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Who it suits

  • Buyers with poor credit who prefer Quick Car Finance over Fidea for dedicated car funding.
  • Borrowers seeking larger car balances who prefer Quick Car Finance over AXI Card Tarjeta y Credito for vehicle use.

Who should look elsewhere

  • Borrowers chasing lower headline rates who may prefer Ibancar Prestamos for APR of 12.74% to 13.01%.

Applying and getting the money

Quick Car Finance arranges funding in 1-3 working days, which allows time for lender review, documents and dealer payment steps. The pace suits planned purchases rather than urgent same day needs, and applicants can use the interval to confirm vehicle choice and affordability. Loans are of £3,000 to £50,000, a span that covers modest used cars through to higher value models. Terms are of 12 to 60, giving room to balance monthly payment size against total duration and interest cost. Shorter schedules clear the balance faster, while longer schedules spread payments and keep each instalment lower. The combination of defined loan span, defined term span and stated payout window gives a clear path from approval to vehicle handover for borrowers who prefer predictable timing.

Safety and regulation

Quick Car Finance works as a broker under broker, meaning it connects applicants with lenders rather than funding loans directly. The published illustration shows hire purchase credit repaid by monthly payments over an extended term at a fixed rate, which helps readers picture structure before offer. Authorisation is shown by licence 764855 from the Financial Conduct Authority, the regulator named in the licensing record. Broker status matters because final pricing, approval and servicing sit with the selected lender, while the broker role centres on matching, referral and application handling within regulatory standards.

Regulation

Regulatory standing rests on licence 764855 from the Financial Conduct Authority. That permission covers broking activity and places conduct, disclosure and fair treatment duties on the firm. The business model is broker, so credit decisions and loan servicing are carried out by partner lenders rather than by the broker itself. Readers should confirm lender identity, agreement type and complaints route on offer documents, since those details define rights during the loan. Regulation supports orderly comparison, yet pricing and eligibility still vary by lender assessment and borrower profile.

Rates and costs

Pricing centres on APR of 9.9% to 60% for car loans, a wide span that reflects varied credit histories and lender risk views. Borrowers with stronger profiles may see rates near the lower end, while weaker profiles may be offered higher rates within the stated span. The origination fee is 0 for car loans, so no added broker setup charge increases the starting balance. The published illustration shows hire purchase credit repaid by monthly payments over an extended term at a fixed rate, underlining how term length shapes total cost. Free early repayment is no, so borrowers who expect to settle ahead of schedule should check lender settlement figures and any applicable charges before committing.

Who runs it

The operating company is Automotive Online Ltd, the legal entity behind the Quick Car Finance brand. The home base is GB, which aligns the service with domestic rules and market practice for vehicle finance. The brand dates to 2012, giving a track record in car finance broking across changing credit conditions. Regulatory permission is recorded as 764855 from the Financial Conduct Authority. Together, named entity, home country, founding vintage and licence record give readers clear points for identity checks, contact review and confidence in the broking arrangement.

How Quick Car Finance compares

Where Quick Car Finance is available

Available
United Kingdom
Licence in United Kingdom
Financial Conduct Authority (764855), checked September 28, 2026

Countries from the brand (Source, checked September 28, 2026)

Frequently asked questions

What APR might apply?+

Quick Car Finance lists APR of 9.9% to 60% for car loans. The exact rate depends on credit profile and lender offer, so comparison of monthly payment and total payable matters before agreement.

Is there an origination or arrangement fee?+

The origination fee is 0 for car loans. That means no separate broker arrangement charge is added at the start, though lender interest and any lender charges still shape total cost.

Is Quick Car Finance regulated and safe to use?+

Quick Car Finance operates as a broker under broker and holds licence 764855 from the Financial Conduct Authority. Regulation sets conduct standards, though protection depends on the chosen lender agreement.

How much can be borrowed and when is money paid?+

Loans are of £3,000 to £50,000 over 12 to 60, with funding in 1-3 working days. The range supports used and higher value purchases, while payout timing allows for vehicle checks and dealer settlement.

Who can apply with poor credit?+

Eligibility centres on poor credit profiles with poor and checks of soft prequal. Applicants normally need to meet residency and age rules as adults in the relevant market before a lender decision.

Can the loan be repaid early?+

Free early repayment is no. The published illustration shows hire purchase credit repaid by monthly payments over an extended term at a fixed rate. Early settlement terms should be checked with the lender before signing.

Is this only for car purchase?+

The offer covers car with a fixed structure of fixed rate and rate basis of fixed. It is aimed at vehicle purchase rather than general spending, debt consolidation or business use.

Sources

  • quickcarfinance.co.uk checked September 28, 2026

    Backs: APR

    “priceRange 9.9% - 60% APR, Representative 21.9% APR car finance”

  • quickcarfinance.co.uk/llms-full.txt checked September 28, 2026

    Backs: Loan amount, Credit check, Credit needed, Eligibility, Free early repayment, Funding time, Lender type, Loan types, Pricing model, Arrangement fee, Rate type, Representative example, Term

    “Most lenders on our panel finance vehicles from around GBP3,000 to GBP50,000”

Compiled from 2 source pages, checked September 28, 2026. We did not open an account.

Quick Car Finance

Quick Car Finance

Car buyers with poor credit using a broker

8.7/10Visit

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