The smarter way to finance your car...totally

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Mediablanket t/a Total Car Finance is a credit broker, not a lender. Our rates start from 8.9% APR.
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Our rates start from 8.9% APR: The rate you are offered will depend on your circumstances.

Representative Example: If you borrow £8,000 over 60 months with a representative APR of 19.0%, you will pay £201 each month. The total cost of the loan will be £4,060. In total you will pay £12,064.

Types of Car Finance Options

When financing your next vehicle, several options are available, each with its own benefits. At Total Car Finance, we offer three main types of car finance:

Hire Purchase is a car finance agreement where you pay a deposit (usually around 10%) followed by fixed monthly payments over an agreed term (typically 1-5 years). Once the final payment is made, you own the car outright.

Advantages

  • Simple, straightforward structure.
  • Fixed interest and monthly payments make budgeting easier.
  • You'll own the car at the end of the term.

Disadvantages

  • Monthly payments are usually higher than PCP.
  • You don't own the car until the final payment is made.
  • May require a larger initial deposit.
PCP is a flexible car finance option. You pay a deposit and lower monthly payments compared to HP. At the end of the agreement, you can either pay a final "balloon" payment to own the car, return it, or part-exchange it for a new one.

Advantages

  • Lower monthly payments than HP.
  • Flexibility at the end of the agreement.
  • Ideal for those who like to change cars every few years.

Disadvantages

  • You don't automatically own the car.
  • Balloon payment can be large if you choose to buy.
  • Mileage and condition limits apply — extra fees if exceeded.
A personal loan is an unsecured loan from a bank or lender that you can use to buy a car outright. You'll own the vehicle immediately and repay the loan over time, usually with fixed interest.

Advantages

  • You own the car from day one.
  • No mileage or wear-and-tear restrictions.
  • Competitive interest rates available.

Disadvantages

  • You're responsible for the car's resale value and depreciation.

Finance Your Next Car In 3 Steps

1.

Complete Our Short Form

It takes less than 2 minutes to do and won't hurt your credit score!

2.

Get Your Tailored Quote

We work with lenders who specialise in finding flexible auto loans to suit your needs.

3.

Choose Your Car

Once you have your offer, head over to a reputable dealer and choose your car.

FAQ'S

car finance allows you to spread the cost of a vehicle over a fixed term. Instead of paying the full price upfront, you can choose from several financing options like Personal Contract Purchase (PCP), Hire Purchase (HP), or Leasing.
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To Give You Total Peace of Mind

At Total Car Finance we specialise in helping you find competitive low-APR car finance options in the UK. Our goal is to secure affordable and flexible car finance deals tailored to your budget and needs.

Financial Conduct Authority registered

Total Car Finance is a trading style of MediaBlanket Ltd, who is authorised and regulated by the Financial Conduct Authority. FCA Reference Number: 723605

GDPR

We are GDPR compliant

We fully comply with UK data protection laws, specifically our responsibility to our customers under the GDPR.

ICO

We are registered

We are registered with the Information Commissioner's Office (ICO) under number ZB05362.6