Match Me Car Finance

What Match Me Car Finance does

Match Me Car Finance Ltd is a UK-based credit broker (not a lender), authorised and regulated by the Financial Conduct Authority (FRN 803714) and registered with the Information Commissioner's Office (ZA322036). The company operates from Manchester and connects individual UK consumers with vehicle financing options through a panel of 15+ finance providers, offering products across Hire Purchase (HP), Personal Contract Purchase (PCP), and standard car loans for cars, used cars, motorbikes, vans, and motorhomes. Its technology platform consists of an online application portal, a finance calculator tool, and the match:me native mobile application on iOS and Android, with soft-search credit checking that allows customers to assess eligibility without an initial credit-score impact.

The business model is commission-only and free to consumers. Match Me Car Finance earns either a fixed fee per finance agreement entered into or a percentage-based commission on the total amount of finance taken, with explicit disclosure of commission amounts and customer consent required prior to agreement execution. Distribution is direct-to-consumer through the website, mobile app, and a phone-based advisory team, complemented by a dealer network spanning 20 UK cities and providing access to over 100,000 vehicles. The advertised pricing range starts at 9.9% APR with a 21.9% representative APR on a representative £6,500 five-year borrowing example.

Growth indicators include recent expansion of the lending panel, product extension into van and motorhome finance, geographic coverage across England, Scotland, and Wales, and the introduction of the match:me mobile app. Marketing is executed primarily through SEO, content marketing, and Trustpilot-driven social proof, supported by SEO-oriented sub-brands such as Soft Search Car Finance and Get Car Finance First. Headcount is reported at 11–50 employees, no funding rounds are disclosed, and no revenue, ARR, or volume figures are publicly available.

Name

Match Me Car Finance

Legal name

Match Me Car Finance Ltd

Website

https://matchmecarfinance.co.uk

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

Match Me Car Finance is a UK FCA-regulated credit broker that connects individual consumers with vehicle financing from a panel of 15+ lenders, offering car, motorbike, van, and motorhome finance through its website, mobile app, and 20-city dealer network on a commission-only model free to customers.

Ownership category

akta.pro rank

Product category

Auto Finance Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231), Nondepository Credit Intermediation (5222)

SIC

Loan Brokers (6163)

akta.pro primary industry

Auto & Vehicle Loan Brokerage (FSAEAEAK)

akta.pro secondary industries

Auto / Vehicle Marketplace Lending (FSAKAHAF), New & Used Auto Purchase Loans (FSAKADAA)

Keywords

• Car finance brokerage
• Auto loan comparison
• Vehicle finance broker
• HP and PCP finance
• Consumer credit broker

Headquarters

HQ city

Manchester

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Lender Commission: The company receives commission payments from finance providers when customers enter into finance agreements. Commission is either a fixed fee per finance agreement or a percentage-based commission calculated from the total amount of finance taken. Commission amounts are disclosed to customers with explicit consent obtained before agreements are entered into. The service is free to customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Match Me Car Finance is a UK credit broker (not a lender) that helps individual consumers secure vehicle finance by comparing products from a panel of 15+ lenders through its online application portal and mobile apps. It offers Hire Purchase (HP), Personal Contract Purchase (PCP), and car loan options for cars, used cars, motorbikes, vans, and motorhomes, with initial soft-search eligibility checks that do not impact credit scores. The service is free to customers and connected to a nationwide dealer network providing access to 100,000+ vehicles across 20 UK cities.

Product overview

Match Me Car Finance is a credit broker (not a lender) operating across the UK that connects customers with financing options from a panel of 15+ lenders. The company offers eight distinct vehicle finance products: Car Loans, Cars on Finance, HP Finance (Hire Purchase), PCP Finance (Personal Contract Purchase), Used Car Finance, Motorbike Finance, Van Finance, and Motorhome Finance. These products are supported by a Finance Calculator tool for payment estimation and the match:me mobile app available on iOS and Android. The platform provides access to 100,000+ vehicles through a nationwide network of trusted dealers, with offerings spanning cars, motorbikes, vans, and motorhomes. Their core business model centres on matching customers to suitable HP and PCP arrangements from their lending panel, with no broker fees charged to customers.

Differentiator

Problem solved

Functional benefit

Products and services

• Car Loans Flexible car loan products allowing customers to borrow funds and repay over selected terms with competitive rates sourced from a panel of 15+ lenders; suited to individual UK consumers seeking finance for new or used car purchases.
• Cars on Finance General car financing service enabling customers to purchase vehicles through monthly payments across new, used, and electric vehicles with multiple finance options introduced through the broker panel.
• HP Finance (Hire Purchase) Hire Purchase agreements allowing customers to spread the vehicle cost over 12 to 60 months with fixed monthly payments and full ownership transferred upon completion of the agreement.
• PCP Finance (Personal Contract Purchase) Personal Contract Purchase with lower monthly payments over 24 to 48 months, offering customers flexibility to return the vehicle, pay a balloon payment to keep it, or trade it in at agreement end.
• Used Car Finance Financing solutions for used vehicles with access to 100,000+ quality-checked vehicles through the nationwide dealer network, applicable to cars, vans, and motorhomes.
• Motorbike Finance Motorcycle financing options providing customers access to thousands of bikes through the dealer network with competitive rates and no broker fees.
• Van Finance Commercial vehicle financing providing access to thousands of vans nationwide with business-friendly payment options introduced through the lender panel.
• Motorhome Finance Motorhome and campervan financing with flexible HP, PCP, or credit agreement options, deposits from 10–20%, and terms from 2–5 years.
• Finance Calculator Online calculator tool allowing customers to estimate monthly payments based on loan amount, term, and credit rating, serving as a pre-application planning utility for prospective borrowers.
• match:me mobile app Dedicated iOS and Android mobile application that lets customers apply for finance, track applications, and manage car loans from a smartphone, distributed via the Apple App Store and Google Play.

Quantifiable outcome

• Most customers receive approval decisions within 60 seconds
• +1 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Two partnerships are on record, tiered minor and core.

• Cover Me Warranty LtdminorStrategic or Co-development PartnerWarranty provider that may market vehicle warranty products to Match Me Car Finance customers.
• Car Dealers NationwidecoreChannel Partner/ Reseller/ DistributorNetwork of trusted car dealers across 20 UK cities providing vehicles to customers who secure financing through Match Me Car Finance.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Auto Trader: Auto Trader is the UK's largest automotive marketplace and has expanded into finance referrals and lead generation. As a much larger incumbent, it represents the broader category leader whose finance arm competes for the same upstream dealer and consumer relationships.
• MoneySupermarket: MoneySupermarket is a UK price-comparison platform that includes car finance comparison as a category. It competes indirectly for the same top-of-funnel consumer search intent and benefits from significantly larger SEO and brand investment.
• Compare the Market: Compare the Market is a major UK price-comparison platform offering car finance comparison alongside insurance and other financial products. It competes for the same consumer comparison intent at much greater scale and brand recognition.
• GoCompare: GoCompare is a UK financial price-comparison brand that has expanded into car finance comparisons. It is an indirect competitor for consumer acquisition in the vehicle finance category and benefits from a broad multi-product comparison funnel.
• Carwow: Carwow is a UK car-buying comparison platform that has extended into finance through dealer offers and partnered lenders. It competes for the same dealer-led vehicle finance funnel but at much larger scale and with a stronger consumer brand.

Direct peers

• First Response Finance: First Response Finance is a UK specialist vehicle finance provider focused on near-prime and non-prime consumers. It is both a competing destination for car finance applicants and a panel-style lender adjacent to Match Me Car Finance's intermediary role.
• Zuto: Zuto is a UK-based online car finance broker that compares lenders for consumers seeking vehicle finance. It operates a similar multi-lender comparison model with soft-search eligibility checks and is a head-to-head competitor in the same UK customer segment.
• CarFinance 247: CarFinance 247 is a UK car finance broker connecting consumers with lenders for HP, PCP, and personal loan products. Its multi-lender panel, online application flow, and D2C focus directly mirror Match Me Car Finance's value proposition.

Emerging players

• Moneybarn: Moneybarn is a specialist UK vehicle finance lender (part of the Provident Financial group) that sits on Match Me Car Finance's lender panel. It is comparable as a non-prime vehicle finance provider, representing both a panel partner and a partial substitute channel for customers.
• Oodle Financial Services: Oodle Financial Services is a UK consumer finance provider that operates a panel-based lending model alongside direct lending. It overlaps with Match Me Car Finance in the consumer credit intermediation value chain and is also a panel partner.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Match Me Car Finance