Buggy Dough Car Finance

Car finance tailored to your requirements

*No impact on your credit score

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Choose any car you find and apply for finance instantly.

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Car finance and how it works

Questions answered

What if I’ve been refused elsewhere?

If you have been refused elsewhere for bad or poor credit, there is a high possibility that we can still be of some help. Most of our lenders are specialised when it comes to helping those who have bad credit.

Can I buy my car from any dealer?

As long as your finance has been approved by BuggyDough, you can freely choose any vehicle from reputable dealerships within the UK. This just simply means that you have countless options to find your perfect dream vehicle.

Can I buy from my local dealer?

You can buy your car from any reputable dealership in the UK. Once your finance application is approved, the dealer will work out the rest with you.

I have a part exchange. Can I trade this in?

Even though a deposit isn’t really necessary, we can also receive a down payment which is that of cash or part-exchange. These will in turn reduce your total that you are currently seeking to borrow.

I have fair credit, can you help?

In the case of fair credit, there are many possibilities which exist and you can be approved for financing. We offer numerous options for those who currently have fair credit.

Calculate car finance

We work with the best lenders on the market as we aim to better finance your new car. Our aim is to find the best affordable car loan to better handle your needs. We know and understand that since no two customers are the same, your individual situations aren’t the same so we aid in finding the best deal for you. As a result of more choices and more lenders, this is the reason we can find the best option to suit a wide range of customers, be it bad credit or good credit.

Our finance calculator is a highly developed and accurate tool. It provides an easy and quick way which assesses just how much cheaper our car loan can be. It works by simply entering the desired amount that you wish to borrow and the period that you would like to take, the calculator would then give you an estimate of the repayments which are based on your current credit.

If you changed the desired amount to be borrowed, you can get an estimated repayment based on a new monthly rate. This just simply means that the calculator can be edited until your estimated monthly repayable amount is to your liking. If you already have a desired amount in mind, the loan can be amended for a suitable period until your monthly budget has been achieved.

As we previously mentioned, we know and understand that no two customers are faced with the same situations in life. As such, we intend to dive a bit deeper as we get to know you so that we can individually give you the most accurate quote which has been designed with only you in mind. As long as you have completed your application, which can be quickly done and saves time, in fact, this can be done in as little as just a few seconds. Use our calculator today and receive your quote which is free of any obligation to us!

Do you have a finance calculator?

Yes we do. You can use our car finance calculator to get an estimate of your monthly repayments which is based on the amount you’d like to borrow, the loan term length, and your credit score.

If I apply will it affect my credit score?

No it won't. When you apply for finance we will run a soft credit check to find out if we can find you an approval from one of our lenders. This may be noted on your credit report, but it won’t affect your score. If you choose to proceed with a finance option then a hard credit check will be completed.

Can I get part exchange or trade in?

Deposits are not mandatory, but a part exchange can count as a down payment, just like cash would. This will reduce the total amount that you are borrowing, which could help with the term or with your monthly car finance payments.

Do I need a down payment?

No deposit car loans are available however having a good down payment upfront can reduce the amount you need to borrow. This could mean that you have lower monthly repayments or a shorter loan period.

A good down payment is one that you can afford comfortably and leaves you with funds to cover car essentials such as road tax, car insurance, and car fuel.

Typically, a car finance deposit of at least 10% of the total loan is considered good.

What does APR mean?

APR stands for Annual Percentage Rate, which is the interest that is added to your car finance loan and included in the monthly repayments each month. Low APR car finance can lower the amount of interest you need to pay across the year and make it much more affordable.

Applying for car finance with buggydough gives you a much better chance of securing a car finance deal rather than going direct to a lender. If your direct application is rejected by a lender you will have to start the process again elsewhere, and receiving more than one refusal could negatively impact your credit score.

The advantage of using buggydough is we pass your application on to a panel of approved and regulated lenders.

Representative example

Borrowing £7,000 over 3 years with a representative APR of 6.9%, an annual interest rate of 6.9%(Fixed) and a deposit of £0.00, the amount payable would be £208 per month, with a total cost of credit of £448 and a total amount payable of £7,488. Rates may differ as they are dependent on individual circumstances. Subject to status.

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