Quick Car Finance

What Quick Car Finance does

Quick Car Finance is an FCA-authorised UK credit broker operating as a trading name of Automotive Online Ltd, founded in 2012 and headquartered in Bournemouth. The company matches consumer applicants with a panel of 27+ specialist lenders for vehicle finance products, primarily Hire Purchase (HP) and Personal Contract Purchase (PCP) agreements. It serves UK consumers across the credit spectrum, with particular focus on bad credit, self-employed, and young driver segments that face rejection from mainstream lenders. The company reports processing 883,000+ applications since establishment and maintains 4.9/5 ratings across 5,675 Google reviews and 3,000+ Trustpilot reviews, with a stated 95% customer satisfaction rate.

The platform combines a self-service digital application flow with a high-touch inside sales model. Applicants complete a 2-3 minute online form that triggers a soft credit search (no impact on credit score), then are matched with a dedicated account manager who guides them through lender selection, dealer vetting, and paperwork. The technology stack includes an "AI-powered smart approval system" that checks applicant details with multiple lenders simultaneously, an online car finance calculator, an eligibility checker, and a secure customer portal. APRs range from 9.9% to 60% depending on credit profile, with a representative 21.9% APR and loan terms from 12 to 84 months at amounts between £1,000 and £50,000. Product surface extends beyond used car finance into used and new cars, vans (including commercial/Business Van Finance), motorbikes, and electric and hybrid vehicles, with segment-specific pages for self-employed, young drivers, no-deposit, and specialist circumstances.

Revenue is generated through fixed commissions or fixed-percentage fees received from lenders on the panel when a customer proceeds with an acceptance — a transaction-based, take-rate model with no consumer-facing fees. Commission is disclosed transparently to customers. The company is independently owned, privately held, and has no disclosed funding rounds, parent company, subsidiaries, or acquisition history. It is authorised under FRN 764855 and operates under the Consumer Credit Act 1974 with GDPR-compliant data processing (Data Protection Registration No. ZA458903).

Name

Quick Car Finance

Legal name

Automotive Online Ltd

Website

https://quickcarfinance.co.uk

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

11–50 employees

Short description

Quick Car Finance is an FCA-authorised UK credit broker that matches consumers with a panel of 27+ specialist lenders for car, van, and motorbike finance, with a focus on bad credit, self-employed, and young driver segments underserved by mainstream banks.

Ownership category

akta.pro rank

Product category

Consumer Vehicle Finance Brokerage

NAICS

Sales Financing (52222), Credit Intermediation and Related Activities (522)

SIC

Loan Brokers (6163)

akta.pro primary industry

Auto & Vehicle Loan Brokerage (FSAEAEAK)

akta.pro secondary industries

New & Used Auto Purchase Loans (FSAKADAA), Auto Refinance (FSAKADAB), Fleet & Commercial Vehicle Finance (FSAKADAE)

Keywords

• Vehicle finance broker
• Car finance services
• Bad credit auto loans
• Hire purchase PCP
• Consumer credit broking

Headquarters

HQ city

Bournemouth

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Technology or R&D, Operations, Others

Revenue model

1. Commission from Lenders: Quick Car Finance receives commission from lenders on the panel when a customer proceeds with an acceptance. Commission is either a fixed payment or fixed percentage of the amount financed — it is not discretionary and does not vary based on the interest rate set for the customer. The company clearly discloses this commission structure to customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

Quick Car Finance is a UK FCA-authorised credit broker that matches individual consumers with vehicle finance products (car, van, and motorbike) from a panel of 27+ specialist lenders. The company operates a digital application platform with soft credit checks and dedicated account managers who guide applicants through the process, then earn commission from lenders on completed introductions.

Product overview

Quick Car Finance operates as a credit broker platform offering a comprehensive suite of vehicle finance products through a panel of specialist UK lenders. The core offerings include Car Finance (Hire Purchase and Personal Contract Purchase), Used Car Finance, Bad Credit Car Finance, Van Finance, Motorbike Finance, and Electric Car Finance. The company also provides specialized financing for business users (Business Van Finance, Business Car Finance), self-employed individuals, and young drivers. Supporting tools include a Car Finance Calculator for payment estimation, a Customer Portal for account management, and an Eligibility Checker that uses soft credit searches. All products are FCA-authorised (FRN 764855) with rates from 9.9% APR and representative 21.9% APR.

Differentiator

Problem solved

Functional benefit

Products and services

• Car Finance Hire Purchase (HP) and Personal Contract Purchase (PCP) financing for new and used vehicles from any UK dealer, with rates from 9.9% APR and representative 21.9% APR. For individual UK consumers seeking car finance through a credit broker with a panel of lenders.
• Used Car Finance Finance for second-hand vehicles from any UK dealer, with HP and PCP options available and all credit histories considered. Targeted at UK consumers buying used vehicles through dealer channels.
• Bad Credit Car Finance Specialist car finance for customers with CCJs, defaults, bankruptcy, IVA, missed payments, or no credit history, from 9.9% APR. Uses specialist sub-prime lenders on the panel. For UK consumers with adverse credit histories.
• Van Finance Finance solutions for panel vans, Luton vans, crew vans, and pickup trucks for personal and commercial use, from 9.9% APR. For UK tradespeople, sole traders, and personal buyers needing commercial or personal vans.
• Business Van Finance Tax-efficient commercial van finance for sole traders and limited companies, including Commercial Hire Purchase, Business Lease Purchase, and Finance Lease options. For UK business owners and tradespeople purchasing commercial vans.
• Motorbike Finance Finance for motorcycles from learner 125cc bikes to superbikes, with HP and Conditional Sale options available. For UK consumers seeking motorcycle finance across all credit types.
• Electric Car Finance HP and PCP deals for new and used electric vehicles (BEV and PHEV), offering zero road tax, lower running costs, and ULEZ compliance. For UK consumers seeking electric or hybrid vehicles.
• Business Car Finance Car finance for sole traders and limited companies with tax benefits, claiming capital allowances, and fleet solutions for multiple vehicles. For UK business owners and company directors.
• No Deposit Car Finance Car finance options with no upfront deposit required, subject to status and affordability, for HP and PCP arrangements. For UK consumers who cannot or prefer not to pay a deposit.
• Self-Employed Car Finance Car finance designed for sole traders, contractors, freelancers, and company directors with variable income, requiring SA302 tax documentation. For UK self-employed consumers needing vehicle finance.
• Young Drivers Car Finance Car finance options for 18-25 year olds and first-time borrowers with no credit history, helping build credit profiles. For UK young adults and first-time car buyers.
• Specialist Car Finance
• Eligibility Checker Quick eligibility assessment tool using a soft credit search that does not affect the applicant's credit score, providing results in 60 seconds. For UK consumers wanting to check car finance eligibility before committing to a full application.
• Customer Portal Secure online portal for customers to access their car finance account, track applications, and manage details with 256-bit SSL encryption. For existing Quick Car Finance customers managing active finance agreements.

Quantifiable outcome

• 883,000+ applications processed since 2012
• +4 more outcomes

Named customers3 records

Segments7 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• UK Dealer NetworkcoreChannel Partner/ Reseller/ DistributorNetwork of UK dealers from whom customers can purchase vehicles. QCF vets dealerships and handles all paperwork. Customers can buy from any reputable UK dealer including franchise dealers, independent dealers, and private sellers.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Zopa: UK digital bank and former peer-to-peer lender now offering personal loans usable for car purchases. QCF lists Zopa in its panel; comparable in digital-first consumer credit underwriting and increasingly as a competing direct channel for prime car loan demand.
• Moneybarn: UK specialist vehicle finance provider focused on bad-credit and non-prime customers; appears in QCF's lender panel. Comparable for product overlap (van, car, motorbike finance for adverse credit) and customer overlap, though Moneybarn lends on its own balance sheet rather than broking.
• CarFinance247: One of the UK's largest dedicated car finance credit brokers, operating a similar lender-panel model with soft-search eligibility, online application, and dedicated advisor support across all credit profiles. Most directly comparable competitor to QCF in scope, customer segments, and product mix.
• Oodle Car Finance: Oxford-based UK motor finance broker offering loans up to £40,000 with panel-based lender matching. QCF panel-partner and direct competitor in online car finance intermediation; comparable customer segments and digital acquisition approach.
• MotoNovo Finance: Major UK motor finance specialist offering HP and PCP to consumers across credit tiers. QCF lists MotoNovo as a panel lender; comparable in product structure and target customer (used car finance), though competitor for prime placement versus QCF's broker positioning.
• Go Car Credit: Direct-to-consumer UK car finance lender specialising in bad-credit applicants (CCJs, defaults). QCF routes sub-prime leads to Go Car Credit via its panel; highly comparable in target customer and product, competing for the same end borrower.

Regional players

• JBR Capital: UK specialist finance provider focused exclusively on luxury, classic, and supercar finance (£25k–£2M tickets). Listed in QCF's panel as a specialist partner; comparable as a niche vehicle finance distributor, but addresses a distinct high-ticket customer segment rather than QCF's mass-market core.

Broad incumbents

• Auto Trader: UK's largest automotive marketplace, with growing embedded car finance offerings and lender integrations. Comparable as a top-of-funnel vehicle acquisition channel and increasingly as a competing finance distribution layer that can disintermediate standalone brokers like QCF.
• Close Brothers Motor Finance: Specialist UK motor finance arm of Close Brothers Group offering HP and PCP via dealer and intermediary channels. Comparable in product suite and target customer; QCF panel partner but also a direct competitor for prime placement within its own intermediary network.
• Black Horse Motor Finance: Lloyds Banking Group's specialist motor finance division, one of the UK's largest vehicle finance providers. QCF routes to Black Horse as a core panel partner; comparable in scale and product breadth, but competes as an upstream direct lender rather than as a broker.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/qcarfinanceuk
• Facebookfacebook.com/QCARFINANCE
• LinkedInlinkedin.com/company/quickcarfinance

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Quick Car Finance