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From 19.9% APR*

5 Star TrustPilot – 95% Rate Us As “Excellent”

No Deposit

No Upfront Fees

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Looking for a great car finance deal for your next car? Red Potato are here to help

A calculator with a red line through it, depicting that there are no upfront fees
A money bag with a red line through it to show that no deposit is required
A score-o-meter with a red tick to show that there is no affect on your credit score
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Simple car finance

  • Soft credit search so no impact on your credit score
  • Get an initial online decision in minutes using our simple enquiry form
  • No deposit required
  • We have thousands of cars in stock - or find your own
  • Below average credit score considered
  • Rates start from 19.9% APR - 29.9% APR representative

If you have had any payday loans in the last two years we won't be able to help at this time


Fill in our form now to get a free initial decision

Trust pilot logo with five white stars with a square green background to show Red Potato's rating

How do I get a great deal for my new car?

Follow the quick 3 steps below to find out if you would be accepted - no impact to your credit score, no obligation - An initial decision online in minutes!

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I have bad credit; will I be able to get car finance?

Don’t despair! At Red Potato, we understand there can be lots of reasons for a low credit score, and - can help finance your new car even if you have marks on your profile.

A car to suit both you and your budget

Whether you’re looking for a run-around, a family vehicle or something a bit sportier, you can browse our trusted partner’s fleet of vehicles – or if you’ve already found your perfect car from another reputable dealer, we can also help with just the financial side

If you have a less than perfect credit history - CCJs, mortgage defaults, IVAs or bills that have been paid late - we look at every case individually, without judgement to help you find car finance that is affordable and suitable for your circumstances, even if you are self-employed or haven’t built up a credit profile yet.

Our initial application only requires a soft credit search, meaning it will not be shown on your credit file and will not affect your credit rating.

Check your credit score for free here

Calculate what you could borrow

Our Car Finance Calculator can help you work out the cost of your monthly repayments based on your car budget.


Rate of interest (Fixed) Per Annum 16.24%. Representative 29.9% APR

Representative Example: Borrowing £5,500 over 48 months with a representative APR of 19.9%, the amount payable would be £162.34 a month, option to purchase fee £10.00, with a total cost of credit of £2,302.32 and a total amount payable of £7,802.32


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‘What is a soft credit search?’ A soft credit search enables us to understand your circumstances and ensure we are able to proceed with your application for car finance. The search differs from a hard credit search because it does not leave a footprint on your credit file which is visible to other lenders. ‘Why do we carry out a soft credit search?’ We are regulated by the Financial Conduct Authority and the finance provider we work with has a duty to lend responsibly to customers without potentially causing financial hardship. The soft credit search gives us a snapshot of your current and most recent financial circumstances so we can make sure that your application meets the finance provider’s eligibility criteria. If there are no immediate causes for concern we can progress your application with the finance provider who will complete affordability checks.

Thank you for your application

The team are currently reviewing your application and working with our panel of lenders to source the best finance deal for you.

As soon as we have secured a finance offer, one of our car finance experts will call you from 0800 197 9758. Our team will guide you through your finance approval and we can work with most reputable dealers to find the car of your choice.

Should you have any queries, please contact us on 0800 197 9758 or e-mail us at

We are available Monday to Friday 8:00 AM to 5:00 PM.

Thank you for your application.

One of our friendly advisers will be in touch shortly to discuss the next steps to finding you finance!

We have a range of over 10,000 vehicles to choose from nationwide, so we’re sure we’ll have the perfect car for you.

* Representative Example

Loan amount of £7,500 with a monthly repayment of £191.63 over a term of 60 months at a rate of 10.66% interest per annum (fixed). This is equivalent to 19.9% APR representative. Interest repayable is £3,997.80 with an option to purchase fee of £10.00. Total amount repayable is £11,507.80.

This website is operated by Premium Plan Limited. Red Potato is a trading name of Premium Plan Limited, which is registered in England with Company No 05977118. Registered office: Kempton House, Kempton Way, PO Box 9562, Grantham, Lincolnshire, NG31 0EA. Premium Plan Limited is authorised and regulated by the Financial Conduct Authority (FRN: 742272). The Red Potato name and logo are trademarks of Totemic Limited. Premium Plan Limited is a member of the Finance & Leasing Association (FLA).