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  • Low rate car finance

    Low rate car finance

  • No deposit options

    No deposit options

  • Reviews

    Five Star Reviews Star

  • Decision in minutes

    Decision in minutes

Looking to check your credit without harming your credit score?

Find out where you place on the credit scale today!

credit scale | good to bad

This does not impact your credit score.

Why use our car finance checker?

free to use finance checker

Its completely free

Our car finance checker is a completely free tool that allows you to check your current credit rating in the comfort of your own home!

protect your credit score

Protect your score

Using our ‘soft search’ car finance checker leaves no mark on your credit file, so you can have peace of mind that your credit file isn’t harmed.

calculate your loan

Calculate your loan

Once you’ve found out where you place on the credit rating scale, you can use our car finance calculator to find out much you can borrow.

get the car you want

Get the car you want

Secure your car finance deal with us and then choose your car from a range of reputable FCA approved dealerships across the UK.

With the car finance checker from UK Car Finance, you can check your credit score online for FREE! Our car finance checker provides a ‘soft search’ on your credit file which doesn’t affect your score in the slightest! If you’re not sure how you would rate your own credit score, why wait to find out? Get started today by filling out our short application form!

What is a car finance credit check?

A car finance credit check is used to see where you fall on the credit scale. We take the information you give us to perform a soft search credit check, (this doesn’t harm your credit file in any way), and from that score, we show you how likely you are to be approved for car finance and at what rate based on customers who applied with a similar credit file to yours. Please note our car finance credit checker is designed as a guide only.

Unlike some other car finance companies, our free car finance checker is just that, a checker. We do not consider this an application and there is no obligation to proceed. This means you can check your credit score without being tied down to an application. If you are interested in proceeding all you have to do is fill in the full application form and our team will be in contact shortly after.

Your result will be based on the details you provide us, so make sure they’re all correct when you submit the form. When you’ve got your results, you can work out your monthly budget with our car finance calculator, browse our current car stock or make a full application!

What is a soft search?

When you apply for any type of finance or credit, lenders will check your credit file to see what sort of credit position you’re in and how likely you are to be accepted with them. This is what’s known as a hard search, which can affect your credit score and potentially decrease it. A car finance soft search however is the exact opposite, when you apply or check your credit with us, we will check your credit file without leaving a mark on it. It also means that your result is only visible to you and us! When you make a soft search application with us, we are able to match you up with the most suitable lenders and make sure you get the best deal possible. Your credit score will be only be visible to any third parties when your deal is being finalised.

What is a car finance calculator?

Another handy tool we have devised to make you car finance application even easier is the car finance calculator. Like the car finance checker, our calculator also performs a soft search on your credit file when you apply. Once you’ve found out where you position on the credit score scale, why not use the car finance calculator to set your monthly budget and duration of loan and then shop for cars within your budget? It really is as simple as that!

Ready to get started?

Quickly and safely find out your car finance eligibility without harming your credit score!