Rated Excellent on
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Car finance made for UK newcomers

Get a loan to help you spread the cost of a car.
Even if you've only just moved here.

A person sat in the driving seat of a new car, the sun is shining though the window and they are happy
We look beyond your credit score
Build your financial footprint
Paper-free application
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You’re more than your credit score

Buying a car shouldn't mean wrecking your savings. Yet for newcomers who are shut out from car finance options in the UK, just because they haven’t borrowed any money yet, that's often exactly what happens. 

And we don't think that's fair.

We’ve already spent years helping UK newcomers access fairly-priced car insurance. Now we’re using that experience to help us look past what’s on paper – so we can often say yes where others say no.

Why Marshmallow car finance

Most lenders won't approve UK newcomers.
But we're not most lenders.

We look beyond your credit score

Unlike traditional car finance providers, we don’t let a lack of UK credit history get in the way of your loan. Instead, we ask smarter questions that help us see the full picture.

Build your financial footprint

Accessing our car finance and making regular, monthly payments will help improve your UK credit score over time.

Goodbye paperwork

Send us your details online to help us approve your loan. No extra visits to the dealership. No messy paperwork.

Impact-free application

Applying for a car finance loan with us won’t impact your current credit score, even if you’re unsuccessful.

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79% of our car insurance customers are new to the UK*

Lots of them have rated us ‘Excellent’ on Trustpilot.

*Based on data from all active Marshmallow car insurance policyholders from 2018 - 2024.

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How does car finance work?
We offer Hire Purchase agreements. This is the most common form of car finance in the UK.
1
You borrow money to buy a car.
You’ll agree to an interest rate, a monthly amount and a fixed term for paying back the loan.
2
Drive away. Pay back over time.
During this time we are the legal owners of your car.
3
You own when the loan is paid.
The car is now yours to do whatever you want with it. Keep it, sell it, give it racer stripes – it’s up to you.
How to get car finance from Marshmallow
1
Visit one of our partner dealerships
2
Complete the loan application at the dealership
3
Provide additional detail online so we can approve your loan.
4
Sign your loan agreement digitally.
5
Collect your car from the dealership
I woman looking out a car window

In case you missed anything

Is Marshmallow car finance a broker?
What is the Setup fee?
What is the Option to Purchase fee?
What’s the minimum credit score I need?
Can I change my repayment date once I’ve been approved?
Can I pay my loan off early?
How is my personal information kept safe?
What if I’m struggling with payments?
Can I cancel my loan after signing?
How do I change my account details?
What is voluntary termination and can I use it?
How can I see what I’ve paid and what I still owe?
What if the car is written off or stolen?
Are there special arrangements for vulnerable customers?

Hi there!
How can we help?

Phone

020 4572 3405
Monday - Friday | 10am - 4pm

Live chat

Monday - Friday | 10am - 4pm
Weekends and bank holidays | 10am - 4pm

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