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Car finance calculator

Our best deal yet! Rates from 2.9% flat

My credit score is

I'd like to borrow


I'd like to repay over


Your monthly payment is...


(Based on your credit rating)

Best available rate (flat) 2.9 %
Total repayment £ 8,015.00
Total cost of credit £ 1,015.00

You Could buy a car up to


(Based on your credit card rating)

Best available rate 2.9

Total repayment 8,015.00

Total cost of credit

We compare products from UK's top lenders to get you the best deal.


Representative example:

As an example of our car finance deals, borrowing £4,500 over 5 years with an annual interest rate of 7% (Fixed), APR 13.25% and a deposit of £0.00, the amount payable in monthly repayments would be £101.25 per month, with a total cost of credit of £1,575.00 and a total amount payable of £6,075.00.
We are a credit broker and a lender. Above example, represent our services as a credit broker and not as a lender.


Car Finance For Pensioners

Retirement should be a relaxing time in anyone’s life, and having access to a reliable car is important for many reasons; visiting family and friends, days out, and appointments at the doctor should not be interrupted by difficulties with getting about.

Unfortunately, some car buyers worry that their pension precludes them from meeting the right financial requirements for lenders, but we believe that car finance shouldn’t just be an option for people in full-time employment.

Our team here at Car Finance Giant specialise in securing loans for people in complex or unusual financial circumstances, and understand how search through our panel of trusted lenders in order to find an agreement — and a car — that works for you.

Are Car Finance Deals Available to Me if I am Receiving my Pension?

Car finance is an excellent option for anyone who is retired and receiving their pension, and at Car Finance Giant we have carefully compiled a database of lenders offering plenty of great car finance deals for you.

Provided you are in the right financial circumstances to pay your monthly payments on time for the duration of your agreement,

The monthly payments are fixed, which affords you peace of mind each month; there will be no surprise charges or higher payments, and since you decide the duration of your contract, you will be able to budget for your new car with ease.

How do the Payments Work?

The process of applying for car finance deals is very simple, and involves minimal paperwork. The payments you will make toward your new car will be made very clear to you, and we will send through an annual statement which details the amount you have paid to date, and what remains outstanding.

Take a look at our guide to the payments you should expect to make during your car finance agreement below.


You may wish to put down a deposit at the beginning of the agreement, although there are plenty of no deposit car finance deals available if you would rather hold onto your savings, and avoid a large, upfront payment. No deposit car finance makes the process much faster for you, and can mean that you are making lower monthly payments than you would for a similar car through Hire Purchase.

Monthly Payments

Prior to the start of your agreement, you will be quoted an exact, fixed amount for your monthly payments. The amount will vary depending on the car you choose, whether or not you are providing a deposit, your credit score, and the length of your agreement. Each month, you will simply need to pay this fixed amount; this can be done through an automatic direct debit straight from your account, or you can pay by card over the phone.

Optional Final Payment

At the end of your agreement, you will have the option of making a final payment, which is also referred to as the Guaranteed Minimum Future Value. This will have been calculated at the beginning of your agreement, and paying it will mean that you assume ownership of the car. After that, the car will be yours, and you will have no further payments to make to the lender.

On the other hand, you may decide that you are ready for a change. If so, you can choose to exchange the car as a deposit for a new finance agreement, or return the keys and walk away.

Mileage Payment

Your car finance agreement will stipulate a yearly mileage limit, which will be made clear to you before you have signed the contract. Exceeding this mileage limit will incur a fine, which is why it is important that you provide an accurate estimation of your driving habits with your application.

The Benefits of Car Finance for Pensioners


Each year, car makers release newer and more innovative safety features for cars, such as forward-collision warning, automatic emergency braking, and blind-spot warning. These features are designed to provide active or passive assistance to ensure that you, your passengers, other road users and pedestrians remain as safe as possible.

Applying for car finance means that you will be able to drive a better car at a reasonable and affordable monthly cost, rather than settling for a less reliable vehicle, or having to save a lump sum for cash purchase.


Once you have been guaranteed car finance, you will be free to choose your car from any reputable UK dealership. We only offer car finance options on cars that have been thoroughly checked and serviced by trustworthy dealerships, as this provides an extra level of reassurance to you.

If you’re looking for inspiration, then we are confident that you will find a great deal through our exclusive member’s database of over 300,000 cars here.


At Car Finance Giant, we specialise in finding cheap car finance deals for customers who may otherwise struggle to secure a lender. We understand that everyone’s financial circumstances are different, and that good car finance deals need to be able to fit comfortably within your budget.

Bad Credit?

At Car Finance Giant, we believe that your credit history does not give an accurate representation of your eligibility for loans, and because of our experience with securing car finance deals for complex circumstances, we are confident that we will be able to find car loans for pensioners with bad credit. If you are struggling to find a lender offering bad credit car finance, get in touch with a member of our team to find out how we can help you to find your next car.

How to Apply for Car Finance for Pensioners

Whether you have already decided on the car you wish to finance, or just want to find out what deals are out there for retired people, applying for one of our car finance deals has never been easier.

If you would like to find out more about the car finance available to pensioners, then all you have to do is fill in our quick and simple application form and wait to hear from us. We understand that when you need a new car, you don’t want to waste time waiting for a response, which is why we always respond to applications on the same day that they have been submitted to us.

Get in Touch

If you are looking for car finance, then you can trust our team to find you the best possible deal that fits comfortably within your budget. Car Finance Giant are proud partners of the NHS, and are dedicated to providing a rapid and dependable service to anyone looking for their next cheap car finance.

Our experience, combined with our advanced technology, meant that we are able to work quickly to find the best deals out there for you. Filling in our online application takes moments, and our team will start searching for trustworthy car finance options as soon as we receive your details.

How it Works

No deposit car finance is one of the easiest ways to get a car you love more affordably, and all it takes is three easy steps…

Once Approved No impact on your credit score

You'll have own personal advisor on hand from start to finish. They'll give you the amount you can borrow and discuss the documents we need from you.

Choose a car Buy from any reputable dealer

If you need help finding the right car, you can browse over 250,000 cars on our car search, all sold by trusted dealers. But remember, you're to choose your car from car from any reputable dealer if you wish.

We do all the checks On Dealer & Vehicle

Once you've found the car,We'll carry out checks on the dealer and vehicle to make sure you can buy with confidence.

Sign & collect Drive away happy!

If you're happy with vehicle and have signed the agreement, we'll pay the dealer directly. All you then need to do is pick up the car.

We are here to help, to just get in touch


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Opening hours:

9am to 8pm Monday - Friday

9am to 6pm Saturday

10am to 6pm Sunday and Bank Holidays

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