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Top Car Finance Options for June 2026
Compare top car finance deals and find the best fit for your budget
Quick Picks
Best overall: Close Brothers Motor Finance.
Best for bad credit: Moneybarn Car Finance.
Best for speed: MotoNovo Finance.
Established Lenders with Broad Options
If you're seeking reliability and a wide range of choices, these lenders offer established reputations and flexible terms.
Close Brothers Motor Finance
What sets Close Brothers apart is its extensive dealer network and 150-year history, making it a solid choice for those who value trust and longevity. However, availability only through intermediaries may limit direct consumer access.
Black Horse Car Finance
Compared to Close Brothers, Black Horse offers slightly lower rates starting at 4.9% APR, but like Close Brothers, it's available only through dealerships, which might not suit those preferring direct applications.
MotoNovo Finance
MotoNovo Finance shines with a quick decision process and competitive rates from 5.9% APR. Its large dealer network provides flexibility, yet it shares the limitation of dealer-only availability.
For those who require flexible credit options, the next group offers unique solutions tailored to specific credit situations.
Specialized Options for Varied Credit Profiles
These lenders provide options for those with less-than-perfect credit, offering solutions that cater to unique financial circumstances.
Moneybarn Car Finance for Poor Credit
You'd pick Moneybarn Car Finance if you have a poor credit history but need to secure car finance. With a representative APR of 30.7%, it's on the high side, but its willingness to consider poor credit is a major draw.
Oodle Car Finance
The draw here is Oodle Car Finance's quick online process and no impact on credit score from initial checks. However, its focus on used cars and higher rates for lower credit scores may limit its appeal.
Zuto Car Finance
Zuto Car Finance offers a broad comparison platform by connecting drivers to multiple lenders. Despite a higher representative APR of 18.8%, its fast decisions and no credit impact make it a viable contender for those exploring options.
Whether you're prioritizing low rates or need to manage less-than-perfect credit, these options cater to various needs. For a deeper dive into finding the best deals, check out our related article on Car Finance Options: Where to Find the Best Deals.
