Carplus Car Finance
Carplus Car Finance is a UK FCA-regulated credit broker (F&I Online Ltd, founded 2016) that matches consumer car buyers with a panel of 15+ lenders offering 100+ PCP, HP, bad credit, EV, and van finance products via an online platform.
- Company typePrivate
- Founded2016
- HeadquartersBorehamwood, United Kingdom
- Headcount101–250
- GTM typeB2C
- OfferingServices
What Carplus Car Finance does
Carplus Car Finance (legally F&I Online Ltd) is a UK-based credit broker, not a lender, that connects consumer car buyers with a panel of 15+ lenders offering over 100 finance products. Founded in 2016 and headquartered in Borehamwood, the company is authorised and regulated by the Financial Conduct Authority (FCA number 731217). Its core proposition is intermediating between applicants — including those with bad credit, CCJs, IVAs, or thin credit histories — and lenders willing to underwrite them, with soft credit search pre-qualification that does not impact the applicant's score.
The platform operates an online-first customer journey (website, eligibility checker, calculator, WhatsApp, and phone-based account managers) and monetises through fixed-fee or percentage commissions from lenders on funded deals, with the service free to consumers. Product breadth spans Personal Contract Purchase (PCP), Hire Purchase (HP), no-deposit, low APR, joint, refinancing, and a long tail of segment-specific products (bad credit, CCJ, refused, IVA, negative equity, no guarantor, guarantor, instant decision, black box, electric, hybrid, van, motorhome) plus add-on vehicle protection products. Lender partners include Close Brothers, Zopa, Moneybarn, Motonovo, Tandem, Paragon, Oodle, AutoMoney Trust, AutoLend, Go Car Credit, First Response, and Marsh.
The company operates exclusively in the United Kingdom, targets retail consumers across multiple personas (general buyers, key workers, students, young drivers, self-employed, benefits recipients), and supplements broker revenue with vehicle warranty add-ons. Its distribution relies on organic digital channels (website, blog/magazine, LinkedIn, Facebook, WhatsApp) and reputation platforms (Trustpilot 4.7 stars across 3,500+ reviews, Google 4.8 across 1,600+ reviews). No acquisitions, funding rounds, or leadership changes are disclosed, indicating organic, founder-led operation.
Carplus Car Finance firmographics
Firmographics- Name
- Carplus Car Finance
- Legal name
- F&I Online Ltd
- Website
- https://carfinanceplus.com
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Carplus Car Finance is a UK FCA-regulated credit broker (F&I Online Ltd, founded 2016) that matches consumer car buyers with a panel of 15+ lenders offering 100+ PCP, HP, bad credit, EV, and van finance products via an online platform.
- Ownership category
- akta.pro rank
Carplus Car Finance industry classification
Industry- Product category
- Consumer Auto Finance Brokerage
- NAICS
- Consumer Lending (522291)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Auto & Vehicle Loan Brokerage (FSAEAEAK)
- akta.pro secondary industry
- New & Used Auto Purchase Loans (FSAKADAA)
Keywords
Where Carplus Car Finance is headquartered
LocationHeadquarters
- HQ city
- Borehamwood
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Carplus Car Finance business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Technology or R&D, Operations, Infrastructure
Revenue model
- Commission from Lenders: Carplus receives fixed fee commission per finance agreement, or commission based on a percentage of the total amount of finance taken from lenders in their panel. This commission does not affect the interest rate offered or total amount repayable. The service is free to customers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | No Deposit Car Finance - Available for applicants who don't want to put money down upfront |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels7 records
Carplus Car Finance product offering
Product offeringCore offering
Carplus Car Finance is a UK credit broker (not a lender) that matches individual consumers with car finance products from a panel of 15+ lenders. It offers PCP, HP, no-deposit, bad-credit, electric/hybrid, van, and motorhome finance, plus car refinancing, using a soft credit search eligibility checker and supporting online calculators. The service is free to customers, with revenue earned through fixed-fee or percentage commissions from lenders.
Product overview
Carplus Car Finance operates as a credit broker platform offering a comprehensive suite of car finance products designed to help UK customers purchase vehicles, including those with bad credit. The core offerings include PCP (Personal Contract Purchase) and HP (Hire Purchase) finance products, supplemented by specialized products for bad credit customers, electric/hybrid vehicles, vans, and motorhomes. The platform provides a network of over 15 lenders and 100+ finance deals. Supporting tools include car finance calculators, eligibility checkers, and early settlement calculators. Vehicle protection add-ons such as Warranty and Williams protection are also available. The company connects customers with a panel of lenders including Motonovo, First Response, Tandem, Paragon, Close Brothers, Zopa, Moneybarn, and others.
Differentiator
Problem solved
Functional benefit
Products and services
- PCP (Personal Contract Purchase) Car Finance Car finance product offering affordable monthly payments with an optional final balloon payment at the end of the agreement, suited to drivers who change cars every few years.
- HP (Hire Purchase) Car Finance Car finance product that spreads the cost of a vehicle over a fixed term through fixed monthly payments, with full ownership of the car transferred at the end of the agreement.
- No Deposit Car Finance Car finance option that does not require an upfront deposit, allowing customers to finance a vehicle without any initial payment.
- Bad Credit Car Finance Specialised car finance product for customers with poor credit scores, working with specialist lenders that consider applicants with bad credit histories.
- Car Refinancing Service allowing customers to refinance their existing car finance agreement to potentially secure better terms, lower rates, or adjusted monthly payments.
- Electric Car Finance Specialised car finance product for purchasing electric vehicles, accessible via Carplus' lender panel.
- Hybrid Car Finance Car finance product tailored for purchasing hybrid vehicles, accessed through Carplus' lender panel.
- Van Finance Finance product for purchasing vans and commercial vehicles, available to self-employed individuals and businesses.
- Motorhome Finance Finance product for purchasing motorhomes and recreational vehicles, available through Carplus' lender panel.
- Vehicle Warranty Add-on protection product covering mechanical breakdowns and repairs for financed vehicles.
- Williams Vehicle Protection Add-on vehicle protection product offered in partnership with Williams alongside Carplus finance agreements.
- Used Cars on Finance Online catalogue of used vehicles available for purchase through Carplus finance arrangements from reputable dealers, with Carplus running full vehicle checks.
Quantifiable outcome
- 97.3% of customers praise their service
- +3 more outcomes
Companies that use Carplus Car Finance
Customer profileSegments5 records
Ideal customer profiles3 records
Carplus Car Finance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Carplus Car Finance partnerships and signals
Strategic signalScale indicators5 records
Recent moves6 records
Expansion highlights4 records
Carplus Car Finance competitors and assessment
Company assessmentMarket position
Competitive moat3 records
Key highlights6 records
Customer concentration
Carplus Car Finance social profiles
Digital presenceCarplus Car Finance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Carplus Car Finance leadership team
Management profileNumber of profiles
Carplus Car Finance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Carplus Car Finance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Carplus Car Finance
What does Carplus Car Finance do?
Carplus Car Finance is a UK credit broker (not a lender) that matches individual consumers with car finance products from a panel of 15+ lenders. It offers PCP, HP, no-deposit, bad-credit, electric/hybrid, van, and motorhome finance, plus car refinancing, using a soft credit search eligibility checker and supporting online calculators. The service is free to customers, with revenue earned through fixed-fee or percentage commissions from lenders.
Is Carplus Car Finance a public or private company?
Carplus Car Finance is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Carplus Car Finance founded?
Carplus Car Finance was founded in 2016. It employs 101 to 250 people.
Where is Carplus Car Finance based?
Carplus Car Finance is headquartered in Borehamwood, United Kingdom, in the Europe region.
How does Carplus Car Finance make money?
One revenue line is on record: commission from Lenders.
Does Carplus Car Finance have an API?
No public API is recorded for Carplus Car Finance.
What industry is Carplus Car Finance in?
Carplus Car Finance's product category is Consumer Auto Finance Brokerage. Its primary akta.pro industry code is FSAEAEAK, Auto & Vehicle Loan Brokerage, with a secondary code of FSAKADAA, New & Used Auto Purchase Loans. Its NAICS code is 522291 and its SIC code is 6163.