Best Used-car finance lenders in UK
Non-sponsored, Expert Verified and Transparently Ranked Used-car finance lenders in UK
Published: December 18, 2025 | Verified by: Ted Scheiman & Rob Watts
Executive Summary
We analyzed 5 solutions. Top Recommendation: Car Finance Brokerage Service by Jigsaw Finance scored highest due to Strong emphasis on privacy and transparency in vehicle finance dealings..
Content Verification
Side-by-Side Comparison
| Feature | #1 Car Finance Brokerage Service (Jigsaw Finance) | #2 MINI Approved Used Cars (Marsh Wall Limited) | #3 Dealer Partner Program (Marsh Finance) | #4 Car Finance Brokerage Service (Car Finance Genie) | #5 Commercial Insurance Brokerage Services (Marsh Commercial) |
|---|---|---|---|---|---|
| Best For | Strong emphasis on privacy and transparency in vehicle finance dealings. | Brand-specific financing with retailer integration for seamless used MINI purchases. | Focuses exclusively on used car finance with dealer partnerships and quick approval processes. | Broker model that compares multiple lenders for optimal used car finance rates. | Commercial-focused premium finance with dedicated contact team for tailored solutions. |
| Approval Speed | Advertises approval in minutes, with a decision in moments after applying online. (jigsawfinance.com) | N/A | Automated eligibility checks within minutes; approval decisions typically issued the same day. After approval, funds are usually sent to the dealer within about 2 hours. (marshfinance.com) | Decision typically within minutes; if not, they aim to provide a same-day decision after you submit the online application. (carfinancegenie.co.uk) | Online quote-and-buy; for eligible products you can get a quote and arrange cover in minutes (e.g., Oxygen therapist policies; recruitment insurance). (marshcommercial.co.uk) |
| Integration with Dealerships | Integrates with dealers via Optimus POS (proposal, submission, status tracking), finance calculator plugins, white‑label application forms, direct API, and CRM integrations (DealTrak, Codeweavers, AutoConvert). (jigsawfinance.com) Dedicated dealer sign‑up program and a dedicated account manager for each dealer support onboarding and processing. (jigsawfinance.com) | Sold via participating MINI Retailers/MINI Centres. Customers can search stock, book test drives with a chosen retailer, and reserve vehicles online; finance can be arranged online or at the local MINI retailer. Retailers handle the sale to MINI Financial Services and receive commission for finance introductions. (approvedusedminis.co.uk) | Integrates with iVendi POS for compliant quotes/applications across iVendi’s dealer network; Codeweavers Commerce supports direct ‘quote’/‘propose’ submissions; partners use AutoConvert with Marsh’s automated journey; Marsh Marketplace integrates with dealer websites, auto-pulling stock and enabling on-platform finance applications. (am-online.com) | Integrates via a trusted dealer network and a Partner Referral program. For dealerships, Car Finance Genie provides fast decisions and payouts, market‑leading commissions, personalised broker support, and access to 20+ lenders to help sell more cars and streamline finance for customers. (carfinancegenie.co.uk) | Provides motor trade insurance tailored to new and used car dealers, collaborating with key motor trade partners. Offers fleet risk management designed to integrate seamlessly into dealership operations; covers dealer‑specific risks (e.g., unaccompanied demonstrations). (marshcommercial.co.uk) |
| Interest Rate Competitiveness | Rates from 8.9% APR; compares offers via a panel of 30+ lenders. (jigsawfinance.com) It aims to secure the lowest rate available from its panel. (jigsawfinance.com) Note: limited lender panel and broker commissions may affect the amount you pay. (jigsawfinance.com) | Representative APR for Approved Used MINIs is typically 13.9% (MINI Select). (approvedusedmini.co.uk) Electric used promotions: 6.9% APR for “Young Used” EVs (≤18 months) and 8.9% APR for 19, 42 months. (approvedusedminis.co.uk) APR is set by MINI Financial Services; Marsh Wall Limited only introduces and cannot change rates. (berryheathrowmini.co.uk) | Advertises “competitive rates” with a representative 19.9% APR (fixed) for car finance. Employs a “Rate for Risk” pricing approach for partners, implying tailored rates by customer credit profile. (marshfinance.com) | Rates from 10.9% APR; Representative APR 24.9%. Broker compares a panel of lenders to offer the best eligible rate; no customer fee and broker commission does not influence the interest rate. (carfinancegenie.co.uk) | Offers premium finance via Close Brothers; rates set by the lender. Marsh Commercial cites an APR of 17.56% for premium finance (as of Dec 4, 2023) vs business loans at 12.37% and overdrafts/credit cards ~29, 30%, indicating mid‑tier competitiveness. (marshcommercial.co.uk) |
Car Finance Brokerage Service
Jigsaw FinanceCompany Information
Description
We act as a broker, not a lender, helping customers obtain the best car finance options suitable for their needs, regardless of their credit situation.
What They Do
Car Finance Genie provides brokerage services to help customers find car finance options tailored to their needs.
Who They Serve
Individuals looking for car finance, including those with various credit situations such as bad credit.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Social Media
Key Pages
Navigation Links
Summary
Jigsaw Finance delivers secure and transparent vehicle finance services tailored for used cars in the UK market. They emphasize data protection while arranging finance for pre-owned vehicle purchases.
Key Features
- Online quote request form
- Soft credit search initially (no impact on credit score)
- Personalised finance quotes
- Secure application processing
- Experienced team support
- Disclosure of commission and terms before agreement
Key Benefits
- Approvals valid for 30 days, allowing time to find the right car
- No impact on credit score for initial checks (soft search)
- Instant online decision and personalised quote
- Quick and confidential process
- No obligation to proceed
- Guidance from experienced staff
Who Is It For
- UK drivers seeking car finance
- Individuals aged 18 or over
- Customers looking for a straightforward, online car finance quote
Get a Quote
Looking for a straightforward way to get a car finance quote? You’re in the right place.
Let's start your quote!
Approvals valid for 30-days. Take your time to find your perfect car. No impact on your credit score. Check if you'll be accepted for free. Instant online decision. Get your personalised decision today! This will only take 2-minutes.
- Approvals valid for 30-days
- No impact on your credit score
- Instant online decision
- Personalised decision
- Quick process (2 minutes)
Jigsaw Finance Limited is a Credit Broker not a lender. Rates from 8.9% APR, with the rate that you will be offered being based on your individual circumstances.
Representative Example: Hire Purchase agreement, based on a vehicle with a cash price of £8,000.00, with £0 deposit, borrowing £8,000.00 over 5-years with a representative APR of 16.9% fixed, the amount payable would be £193.34 per month, with an option to purchase fee of £1.00, a total cost of credit of £3,600.40, and a total amount repayable of £11,600.40
At Jigsaw Finance, we make it simple to find the right finance option for your next vehicle. Tell us a few details about yourself and the car you’re interested in, and we’ll do the rest. Our technology allows us to process applications quickly and securely, while our experienced team is on hand to review details and guide you through the next steps. This combination of smart systems and personal service helps you get a quote that’s accurate and tailored to your circumstances. There’s no obligation to proceed, and we’ll always let you know before any hard credit check takes place. In most cases, we begin with a soft search that has no impact on your credit score. If a full credit check is needed later in the process, we’ll explain this first so you can give your consent. It’s quick, confidential, and handled by a team that’s been helping UK drivers for over 25 years. Once you’ve submitted your details, we’ll review your information and contact you to confirm your quote and explain what happens next.
Jigsaw Finance Limited and associated trading styles is a Credit Broker not a lender and is authorised and regulated by the Financial Conduct Authority FRN 679612. Jigsaw Finance Limited can introduce you to a limited panel of lenders, on a non-advised basis, meaning we cannot give you advice or a recommendation on products. We do not charge you a fee for our service, however we will receive a commission for arranging your vehicle finance. The amount earned by Jigsaw and the motor retailer including how it has been calculated will be disclosed prior to signing your agreement, details of this can be found in our Initial disclosure document. View our full disclosure by reading our Initial Disclosure Document. All finance is subject to status and income, applicants must be 18 or over, terms and conditions apply, and guarantees and indemnities may be required.
Resources
Supporting Resources
Detailed Comparison
Approval Speed
Integration with Dealerships
Interest Rate Competitiveness
Marsh Wall LimitedCompany Information
Description
MINI is a brand under BMW that produces small cars known for their unique, stylish designs and responsive handling, ideal for urban driving. They offer a range of models including electric vehicles, convertibles, and standard hatchbacks, emphasizing sustainability and innovative technology.
What They Do
Manufactures and sells a range of compact and electric vehicles.
Who They Serve
Individual consumers, businesses, and automotive enthusiasts.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Key Pages
Summary
MINI Financial Services offers used car financing options through authorised retailers like Berry Heathrow, enabling customers to finance pre-owned MINI vehicles. They provide quotes and structured finance plans for used cars.
Key Features
- Wide selection of MINI models, including both new and older variants
- Search functionality by postcode, model, payment type, and price
- Access to MINI Financial Services for approved used vehicles
- Find a MINI Centre for in-person assistance
Key Benefits
- Minimum 12 month unlimited mileage MINI Warranty
- Independent, certified check to verify vehicle history and mileage
- Only Genuine MINI Parts used, most with a two-year warranty
- Meticulous checks carried out by qualified MINI Technicians
- Fully-verified Service History
Who Is It For
- Individuals seeking a reliable, pre-owned MINI vehicle
- Customers who value warranty and certified vehicle history
- Buyers looking for peace of mind with their used car purchase
Find your Approved Used MINI.
All MINI Used Vehicles come with the following benefits outlined below. MINI Approved Used vehicles will also come with a fully-verified Service History.
- Minimum 12 month unlimited mileage MINI Warranty
- Independent, certified check to verify vehicle history and mileage
- Only Genuine MINI Parts used - most with a two-year warranty
- Meticulous checks carried out by our qualified MINI Technicians
Model Range
A wide selection of MINI models is available, including both new and older variants.
- MINI Cooper 3-Door
- MINI Cooper 5-Door
- MINI Cooper Convertible
- MINI Aceman
- MINI Countryman
- MINI Clubman
- MINI Paceman
- John Cooper Works
- MINI Cooper Electric
- MINI Countryman Electric
- Clubvan
- Coupé and Roadster
Contact
Contact MINI for more information or to find a centre.
Resources
Supporting Resources
Detailed Comparison
Integration with Dealerships
Interest Rate Competitiveness
Marsh FinanceCompany Information
Description
Family-run, direct car finance specialists with over 50 years of experience.
What They Do
Provide a range of car finance options and services tailored for different customer needs.
Who They Serve
Individuals looking to finance a vehicle, including those with bad credit and self-employed individuals.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Navigation Links
Summary
Marsh Finance is a specialist used car finance lender in the UK, providing tailored financing solutions for purchasing pre-owned vehicles. They cater to car dealers and individual buyers seeking competitive rates and flexible terms for used car loans.
Key Features
- Eight tiers of HP finance (vehicles up to 100, 000 miles, max age 12 years at start)
- Four tiers of PCP finance (vehicles up to 100, 000 miles, max age 7 years at start)
- Integrated with iVendi, Autoconvert, DealTrak, Deal Builder, and custom integrations
- Dedicated account management and support teams
Key Benefits
- Fast decisions with instant soft search
- Flexible finance products (HP and PCP)
- Eight tiers of finance between £2,000 and £30,000
- Contract durations from 24 to 60 months
- Weekend payouts
- Value-added products funded
- Near-prime PCP products
- One scorecard for PCP and HP
- Rate for risk approach
- Quote on max repayment, not vehicle
- Dedicated Field Sales Account Manager
- Full-service Internal Sales team support
- Easy technology integrations with leading platforms
- No bespoke integrations required
Who Is It For
- Car dealerships
- Dealers seeking to offer finance solutions to customers
- Dealers looking for a lender with flexible products and fast decisions
Resources
Detailed Comparison
Approval Speed
Integration with Dealerships
Interest Rate Competitiveness
Car Finance Brokerage Service
Car Finance GenieCompany Information
Description
We act as a broker, not a lender, helping customers obtain the best car finance options suitable for their needs, regardless of their credit situation.
What They Do
Car Finance Genie provides brokerage services to help customers find car finance options tailored to their needs.
Who They Serve
Individuals looking for car finance, including those with various credit situations such as bad credit.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Social Media
Key Pages
Navigation Links
Summary
Car Finance Genie provides vehicle finance solutions including for used cars, helping UK customers find and secure financing deals. They offer broker services connecting buyers to lenders for pre-owned vehicles.
Key Features
- Online application process
- No-obligation finance quotes
- Panel of lenders compared for best rates
- Personalised support throughout the process
- Finance calculator for estimating repayments
- Flexible repayment terms (1-5 years)
- No deposit finance available
- Quality assurance on vehicles via trusted dealers
- SAF Approved staff (all staff have passed the SAF Expert test)
- CFG Quality Assured vehicles
Key Benefits
- Spread the cost of a car into manageable monthly payments
- Access to a large panel of lenders for competitive rates
- No deposit and no guarantor options available
- Support for poor credit and bad credit applicants
- Dedicated personal advisor ('Genie') assigned to each applicant
- Trusted dealer network for quality used cars
- No fees charged to customers for the brokerage service
- Full transparency on commission and rates
Who Is It For
- Individuals seeking to finance a new or used car
- Customers with a range of credit profiles (excellent, good, fair, bad)
- First-time drivers
- Self-employed individuals
- Students
- People on universal credit
- Unemployed individuals
- Business customers
Find The Right Car Finance Deal For You
With car finance, you can spread the cost of obtaining a new or used car. Car Finance Genie makes the process easy and stress-free, removing jargon and presenting options from a large panel of lenders.
- Manageable monthly instalments
- No deposit and no guarantor options
- Support for all credit histories
How we work.
Car finance made easy with 4 simple steps: Apply, Get decision, Choose a car, Drive away.
- Apply for a no-obligation quote
- Panel of lenders compared
- Choose from trusted dealers
- Complete documents and drive away
Finance Products
Hire Purchase (HP) and Personal Contract Purchase (PCP) are available, with flexible terms and optional deposits.
- HP: Own the car at the end, no mileage restrictions, no balloon payment
- PCP: Option to own, return, or exchange at end, subject to mileage/condition
Why choose Car Finance Genie?
Trusted dealer network, SAF Approved staff, CFG Quality Assured vehicles, no deposit finance, years of experience.
- Over 100 independent 5-star reviews
- Carefully picked, trusted dealers
- All staff SAF Approved
- No deposit finance available
- Specialists with years of experience
Resources
Supporting Resources
Detailed Comparison
Approval Speed
Integration with Dealerships
Interest Rate Competitiveness
Commercial Insurance Brokerage Services
Marsh CommercialCompany Information
Marsh Commercial is a leading commercial insurance broker that provides a range of insurance services to businesses in the UK. They specialize in commercial insurance, risk management, and business protection, offering a variety of insurance products and services to meet the needs of different industries and businesses.
Keywords
Description
Marsh Commercial is dedicated to providing tailored insurance solutions for businesses of all sizes, ensuring comprehensive cover and expert advice aligned with individual client needs.
What They Do
Provide commercial insurance services tailored to various industries, including risk management and insurance advisory services.
Who They Serve
Businesses of all sizes, including sole traders, independent businesses, and growing corporations across multiple sectors.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Key Pages
Navigation Links
Summary
Marsh Commercial offers premium finance solutions that can include used car financing options for businesses and individuals in the UK. Their team provides advisory services for vehicle-related finance needs.
Key Features
- Insurance and risk management advice
- Sector-specific expertise
- Personalised service
- Support for property, liability, transport, cyber, and people risks
- Risk management guidance
Key Benefits
- Tailored insurance and risk management solutions
- Access to sector specialists and world-class expertise
- Support for business growth and continuity
- Protection for property, assets, people, and against liabilities
- Guidance on managing emerging risks such as cyber crime
Who Is It For
- Businesses of all sizes (small, medium, large)
- Commercial clients across various sectors
- Business owners seeking to protect assets, people, and manage risk
Insurance and risk management solutions
We don’t just advise on insurance - we’re here to help you, your business and your community thrive. World-class insight and expertise from key sector specialists, tailored with a personal touch to help you find better ways to manage your risk, protect your people, and support your growth.
Property and assets
Whether you work in a big or small office, or even from home, it is one of your most important assets. So having the right insurance is vital.
Liabilities and advice
Balancing the books is tricky enough for many businesses, without having to deal with an unplanned claim. It's important to have the right level of cover.
Transport and logistics
If your vehicles are out of action, you’re not earning. You need to keep your business running regardless of the challenges thrown your way – from a tight deadline to a vehicle off the road.
Cyber and financial crime risk
Cyber crime and hacking is an ever expanding risk to businesses.
Protecting your key people
Business owners recognise the need for protecting their business assets, but often overlook the potential impact to their business of losing an employee.
Risk management
Being in business is sometimes about taking risks. To be successful you need risk management. Having an understanding of the risks that your business is likely to face is a key step towards success.
Resources
Supporting Resources
Detailed Comparison
Approval Speed
Integration with Dealerships
Interest Rate Competitiveness
Our Ranking Methodology
How we rank these offerings
We ranked these Used-car finance lenders in the UK based on three key factors: Interest Rate Competitiveness (50% weight), Approval Speed (30% weight), and Integration with Dealerships (20% weight). Jigsaw Finance scored highest due to its competitive starting APR of 8.9% and strong integration with dealerships via multiple tools, although it was slightly impacted by broker commission influence on final rates. MINI Approved Used Cars performed well due to its notably low APRs and seamless integration with MINI sales processes. Dealer Partner Program offered robust dealership integration but lagged in competitive interest rates. Car Finance Genie had a strong approval process but lower interest rate competitiveness. Marsh Commercial focused more on broader finance solutions rather than specialized used-car finance, impacting its rank.
Ranking Criteria Weights:
Frequently Asked Questions
- What are the typical costs and pricing models in the used-car finance industry in the UK?
- Used-car finance lenders like Marsh Finance and MINI Financial Services typically offer competitive interest rates ranging from 4% to 15% APR, depending on the borrower's credit profile and vehicle type. Marsh Finance, known for its tailored financing solutions, provides flexible terms for higher-tier credit customers, while granting access to necessary financial products for those with non-prime credit scores. Pricing models often include flat-rate financing models and decreasing balance models, which cater to different repayment strategy preferences.
- What are the key criteria to consider when selecting a used-car finance provider?
- Critical criteria include interest rates, transparency in terms and conditions, flexibility in payment terms, and reputation of the lender. Providers such as Jigsaw Finance emphasize transparency and data protection in their services, ensuring that all terms are clearly outlined and personal information is securely handled. It's equally important to evaluate the range of products offered, such as those from Car Finance Genie, which connects customers to a network of lenders to find the best fit for individual needs.
- How do industry standards and compliance affect used-car financing in the UK?
- The UK’s Financial Conduct Authority (FCA) regulates all finance activities to ensure transparency and fairness, impacting how companies like Marsh Commercial operate. Compliant providers ensure that all processes, from credit checks to contract signing, adhere to the regulations protecting consumer rights and promoting transparent pricing. Jigsaw Finance emphasizes industry compliance as a means of delivering secure and trustworthy finance solutions to consumers, pivotal in maintaining industry integrity.
- What are the common implementation challenges faced by used-car finance lenders in the UK, and how are they addressed?
- Implementation challenges for lenders include managing credit risk, adhering to regulatory compliance, and ensuring robust customer service. Companies like Marsh Finance address these through rigorous credit assessments and deploying technology solutions to streamline application processes. Car Finance Genie mitigates these challenges by leveraging a network of trusted lenders, ensuring competitive and compliant offerings tailored to diverse customer profiles.
- How is ROI and value delivery measured for used-car finance providers?
- ROI for used-car finance providers is primarily measured through customer acquisition and retention rates, loan portfolio performance, and the ability to offer competitive interest rates and terms. Marsh Finance focuses on building long-term dealer relationships, consequently increasing repeat business and customer loyalty. By providing value through well-structured finance plans and customer-centric services, lenders like MINI Financial Services enhance their market position and achieve sustainable growth.
Our Promise: We promise to deliver the highest quality company and offering data, free from sponsored bias. We compile data from across the internet, to give the most accurate and true rankings, according to our transparent algorithms.