Car Finance

Take control of your Car Finance Representative 9.9% APR

Soft Search Got a question? Read the FAQs

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.




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

Helpful Guides

Everything you need to know about car finance

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

Everything you need to know about APR

Read more

Your questions answered

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 in employment, or retired and have a minimum annual income of £15,000
  • 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, including hybrid cars, with a maximum HP loan value amount of £35,000 and a maximum PCP loan value amount of £50,000. You’re able to purchase a car over these values providing you’re able to pay the remaining amount in the form of a deposit. We don’t offer car finance for brand new 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?

Please visit our payment help page if you're having trouble paying back your loan.

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Admiral Money, Admiral Loans, Admiral Car Finance, Admiral One and Finble are all trading names of Admiral Financial Services Limited (AFSL). The maximum APR we offer is 39.9%. 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.