We’re currently experiencing high call volumes so it may take us longer than usual to answer your call.

Car and Home new customers – We’ll be with you as soon as possible or you may prefer to get your quote and cover online. 

Car and Home existing customers – Call wait times are up to an hour so we are prioritising changes required in the next 1-3 days. We recommend you update your policy in MyAccount or get in touch via webchat.

We’re sorry for any inconvenience caused and thank you for your patience.

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Car Finance

How can we help you today?

We've paused new loans to customers but we'll be back soon. We've made this decision to ensure we're focussing on servicing our existing customers and looking after our staff.

Find the answers to commonly asked questions about Loans.

Existing customers

If you want to make changes or need a settlement quote.

Get in touch

Payment help

If you're unable to make your usual monthly payments.

Help with your payments

New Customers

If you want to check the progress of a new application.

Check progress

How Admiral Car Finance works

Choose your finance

Fill in your details to start your car finance journey.

We sort the boring stuff

We'll arrange the payment with the car dealer (for HP/PCP).

Drive away

That’s it! grab the keys, and drive away in your dream car.

Admiral have different options to help you get behind the wheel of a new car. Not sure if Personal Contract Purchase, Hire Purchase or an Unsecured Car Loan is best for you? Take a look below.

Personal
Contract
Purchase

Hire
Purchase
Loan

Unsecured
Personal
Loan

Fixed monthly payments

Usually requires a deposit

Secured against the car

Excess mileage charges

Optional final balloon payment

Own the car outright immediately

Good to know

Remember, with Hire Purchase and PCP, you do not own the vehicle until all contractual repayments have been made. Failure to maintain payments could result in the vehicle being repossessed.

Everything you need for Admiral Car Finance

You'll need to fill in the below first so we can check your eligibility

Your name and date of birth

3 years of address history

Your loan amount

Your contact details, income, outgoings and employment history

The date you want your monthly payments to leave your bank account

To complete your application you'll need:

The details of the car you're buying

Your bank details

The car dealer’s address and bank details

"Extremely helpful and positive staff that were surprisingly engaging to help me every step of the way. Rare to see customer service this good!"

Callum

Eastbourne

"No drama, very easy process and money transferred same day"

Kyle

Newport

"Got a much better rate than the dealership could offer plus it was paid directly to the dealer which made the purchase seamless"

Tom

Dunfermline

Helpful Guides

Everything you need to know about car finance

Read more

Five things to think about before you take out car finance

Read more

Everything you need to know about APR

Read more

Your questions answered

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Who can apply for Admiral Car Finance?

To be eligible for a loan you must:

  • be a permanent resident of England, Wales or Scotland,
  • have lived in the UK for at least three years,
  • be aged between 18 and 74 and won’t be 75 or over at the end of the loan term
  • be in employment, or retired and have a minimum annual income of £10,000
  • not have had any County Court Judgements (CCJs) in the last three years
  • not have been made bankrupt, had any Debt Relief Orders or gone through Individual Voluntary Arrangements in the last six years
  • have a UK bank account in your name
  • not be using the car for commercial purposes.

Will a car finance application have an impact on my credit rating?

Before you make a full application, you can get a car finance quote. This is a soft search, which is only visible to you and won’t affect your credit history. You can edit your quote while you’re shopping around for your new car, without affecting your credit rating. When you’ve found the car you want and applied for Admiral Car Finance, we’ll run a full credit check which will leave a hard footprint on your credit file.

Do I need to know the car reg I'm buying before getting a car finance quote?

If you're not sure which car you're going to buy, you can get an indicative car finance quote which will confirm if you’re eligible for Admiral Car Finance (subject to affordability, fraud and vehicle checks). Once you know which car you’re going to buy and can give us the car registration number, we can give you an accurate quote.

How long does Admiral take to the pay the dealership for my car?

If you choose our PCP or HP options, we pay the dealer directly. As soon you give us the dealership details we will contact them, verify their details and pay them – this usually takes a couple of hours but can take as long as one working day.

I've chosen the Admiral car finance unsecured personal loan option - how long does it take to come through?

The money will go into your bank account, just after lunch time, on the third working day.

What car can I get on finance?

We offer finance for used cars and nearly-new cars that are valued up to £35,000. We don't offer car finance for brand new cars, electric cars, vans, commercial vehicles, motorbikes, caravans or motorhomes.

Can I buy a car from any dealership using Admiral Car Finance?

We work with most UK dealerships.

I’m struggling to pay my Admiral loan – what shall I do?

Give us a call as soon as you can on 0333 234 6009 or visit our payment help page for more information.



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Admiral One, Admiral Loans and Admiral Car finance are all trading names of Admiral Financial Services Limited (AFSL). The maximum APR we offer is 29.9%. Please see our terms and conditions here.

Admiral Financial Services Limited (AFSL) is a registered data controller (No. ZA257412). The data controller is Admiral Financial Services Limited. You acknowledge that by providing your personal data to us, you consent to its processing in the manners outlined in our Privacy Policy. Click here to read. If you have any queries about the manner in which your data is processed, please write to: Data Protection Officer, Admiral Financial Services Limited, Tŷ Admiral, David Street, Cardiff CF10 2EH.

AFSL are a member of the Finance and Leasing Association (FLA) who are an industry leader in promoting best practice within the motor finance, consumer and asset businesses in the UK. As a member we are subscribed to their Lending Code. Click here to download a copy of their Lending Code.

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Admiral Car Finance is rated 9.6 out of 10 based on 537 reviews from the last 12 months