Whether you are buying your first car, upgrading to something bigger for the family, or getting back on the road after a tough patch, Whoosh has options for you. We work with a panel of specialist lenders through our finance partners who cover the full range of credit profiles:
Good credit — competitive rates from well-known high-street lenders
Bad credit — specialist lenders who look beyond your credit score and focus on your current situation
No deposit needed — finance the full amount with nothing upfront
Self-employed — flexible affordability assessments based on bank statements and tax returns
CCJs, defaults, or missed payments — we have lenders available through our finance partners who consider all types of credit history
We offer Hire Purchase (HP) and Personal Contract Purchase (PCP) agreements, so you can choose the structure that fits your budget and lifestyle. With HP, you own the car at the end. With PCP, you get lower monthly payments with the option to buy, return, or trade in when the agreement ends. Not sure which is right for you? Read our guide to PCP vs Hire Purchase.
There are plenty of car finance companies out there. Most of them are faceless algorithms that treat you like a number. Here is why Whoosh is different:
you will speak to a dedicated broker who knows your case inside out. We do not pass you around a call centre.
we are authorised and regulated by the Financial Conduct Authority (FRN: 1020313), so you are fully protected.
we do not limit your choices. Find the car you want from any reputable UK dealer and we will arrange the finance.
we are a local business built on personal service, not a VC-funded tech platform pretending to care.
we are a credit broker, not a lender. We earn a commission from the lender if your deal completes. We do not charge you any broker fees. This is fully disclosed before you sign anything.
most applicants hear back within a few hours, not days.
Want to know more about who we are and why we do things differently? Visit our About Us page.
We're committed to fair, transparent car finance. Read genuine reviews from our customers — and share your own — on Trustpilot and Google.
Through our finance partners, you can access two main types of car finance:
Hire Purchase (HP) is the most straightforward option. You borrow the full price of the car (minus any deposit), pay it back in fixed monthly instalments, and own the car outright at the end. There are no mileage restrictions and no balloon payment. HP is particularly popular with customers who want certainty and plan to keep the car long-term.
Personal Contract Purchase (PCP) offers lower monthly payments because you only pay the difference between the car's current price and its predicted future value. At the end of the agreement, you choose: pay the final balloon payment to keep the car, hand it back, or use any equity as a deposit on your next vehicle. PCP comes with mileage limits and condition requirements.
Not sure what you can afford? Use our car finance calculator to get an estimate of your monthly payments.
We have stripped car finance down to three simple steps.
Fill in our quick eligibility form. It takes about 2 minutes and uses a soft search for your initial eligibility check.
We search our finance partners' lender panel and come back to you with competitive deals for your circumstances. A real person from our Manchester team will talk you through everything — no automated emails, no chatbots.
Once you are happy with the finance offer, a full credit check is carried out by the lender. When approved, pick any car from any reputable dealer in the UK. We handle the paperwork, and you drive away.
No hidden fees. No surprises. Just straightforward car finance from a broker who actually picks up the phone.
