Car finance like no other

A car loan or vehicle loan is money borrowed from your preferred lender to buy a car. The lender will then provide the funds for the car purchase, and you agree to repay the borrowed amount, along with interest, in monthly instalments and within the agreed timeframe.

Yes, we provide EV finance for both new and used electric vehicles, and hybrids.

Yes, If you’re looking to buy a car privately, we can organise the loan and payment to the private seller. Plus, our loan experts can run the Car check, and provide a free valuation to ensure there is nothing owing on the car and you’re not paying too much.

Although some lenders will require a deposit, it’s entirely possible to get a loan without one. It will come down to your own individual circumstances and needs, as well as what you are wanting to borrow the money for.  A deposit can be a useful tool in reducing your interest paid, and loan repayments.

There are two types of car loans, secured and unsecured.

With secured car loans you need to provide collateral as security, which is usually the car itself. With unsecured loans you do not require collateral.

Often you will get a better rate with a secured loan. 

Depending on your preferences and circumstances, it can be beneficial to consult a loan expert who can help you find the best loan option for your needs. 

Simplify will complete two vehicle checks on any car you’re looking at, completely free of charge. These are:

• A vehicle history check

• A vehicle valuation check

As soon as you find a car you like the look of, let us know the details. We’ll then carry out the checks to find out if the car is correctly priced. This is important before you pay any money to the dealer or seller. Arrange a callback with one of our loan experts if you’ve found the car you want to finance.

Your privacy is important to Simplify and we invest heavily in our technology and data protection. You can view our Privacy Policy which provides you with information on how we collect, use and store your personal information. Please take a moment to read this policy and understand it.

With Simplify’s streamlined process, many loans are approved within minutes or by the next business day. Your loan expert can help expedite this by ensuring your application is complete and accurate.

With Simplify, when you get an estimate, compare loans and apply for finance, it does NOT impact or affect your credit score. Our no-effect credit check ensures you can check your eligibility for a loan with confidence.

Disclaimer:  When submitting your application to any lender a formal credit enquiry will be placed on your credit file, this can affect your credit score at this time.  Our loan experts will inform you before submitting your application to any lender, so you can complete your application with Simplify, with total confidence.

You can view the fee schedules, rates and terms for Simplify loans on our website here Fees and Charges.