The Smart Way to Find Car Finance

Carcoo scans 20 car finance lenders instantly, so you can be confident you're getting a great deal.

Car Finance. Simplified.

Carcoo uses intelligent algorithms to find the best car finance offers in the market, so you get a better deal.

We believe that car finance should be arranged before you search for your new car. After all, choosing the right kind of car finance product can be complex, so why arrange it under pressure at the car dealership?

Car dealerships often only have access to one or two finance products, whereas Carcoo interfaces with 20 of UK’s top car finance lenders, so you get the finance package that matches your specific situation.

Welcome to the future of car finance.

Welcome to Carcoo.

About Carcoo

Here are some of the reasons why Carcoo is the UK's free finance finder of choice. If you're buying a car, let Carcoo find the best finance deal for you.
Carcoo’s technology platform does the hard work, so you don’t have to
Lending Panel
Carcoo plugs into 20 of the UK's top car finance lenders
Carcoo is lender agnostic and will hunt for the best finance package for you
Background Checks
Carcoo will verify your chosen dealer and check their history
Your data is stored in an encrypted database and shared with lenders via secure APIs
Carcoo is approved and regulated by the financial conduct authority

The Process

Here's the whole process, from your initial application through to picking up your car. We're here to make the process as fast and easy as possible...
Carcoo will ask you some basic questions to determine your requirements
Carcoo will then search our lending panel to see if there's a car finance deal that suits your needs
If there is a suitable car finance deal available, you will be asked to provide a few more details
When you give us permission, we will perform a soft credit search. This should not affect your credit score.
Carcoo will then send your finance application to the most suitable lender via a secure API
If your application is successful, you will receive a provisional offer of finance from lender
You can then complete negotiations on your chosen vehicle with your finance in place
Once your vehicle is secured, we will assist you to complete the lender’s required documents
We will perform background checks on the car and the dealership for you and the lender
The funds will be then transferred to the dealer and you can collect your car

Finance Products

We work with 20 of UK’s largest lenders to offer competitive car finance products. All of the finance deals available fit into two categories...
HP Car Finance
Hire Purchase
PCP Car Finance
Personal Contract Purchase