Check Smart
Car finance,
simplified
Compare personalised car finance offers from over 20 lenders
Learn moreCheck is a credit broker, not a lender. 18+, T&Cs apply.
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Why Choose Check Smart?
Discover tailored loan, credit card, mortgages or insurance finance products for you, all without affecting your credit score. Get started, with three easy steps:
Explore and compare options
When looking for a loan, credit card, mortgages or insurance quote, it’s wise to explore many options. The search tool below helps you find a product tailored to your needs from Check’s panel of lenders.
No impact on your credit score
We conduct a soft search to identify the best offers for you, ensuring your credit report remains unaffected. Keep in mind that once you apply for a loan, car finance, or credit card, the lender may perform a hard search.
Quick and Easy Quotes
Enter your details to compare loans, cards, mortgages and insurance options. If approved, you could secure a loan or credit card in minutes. Check’s tool helps you find the best option available.
Compare car finance and loan
options tailored to you
We’ll run a soft search to show you personalised offers across car finance, refinancing and personal loans — all without affecting your credit score. When you’re ready to apply, lenders may carry out a hard search.
Hire Purchase (HP)
Hire Purchase (HP) lets you spread the cost of a car with fixed monthly payments, usually over 3 to 5 years. You can drive the car straight away and own it once all payments are completed.
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Personal Contract Purchase (PCP)
A Personal Contract Purchase (PCP) lets you pay for a car in monthly instalments, usually over 2 to 5 years. At the end, you can pay a final balloon payment to keep the car, part-exchange it, or return it.
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Car refinance
Already got a car on finance? Switching to a different lender could save you money or help you spread the cost of your balloon payment.
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Personal Loans
To get approved for a personal or homeowner loan, use the loan finder tool to compare options. Whether you have bad credit or are looking for the lowest rates, we will help you find option tailored to your needs.
Learn more â–¶Find the right offer with Check Smart
Discover tailored loan, credit card, mortgages or insurance products for you, all without affecting your credit score. Get started, with three easy steps:
Tell us what you need
When looking for a new card, car finance, personal or secured loan, it’s wise to explore as many options as possible. The comparison tool below will help you find a product tailored to your needs from the panel of lenders used by Check.
Enter some personal info
We’ll share the information you provide with our panel of trusted lenders and partners as part of your application. This helps us match you with the most suitable options based on your profile.
Get a tailored comparison
Once you’ve applied, we’ll display a personalised quote for the finance product you’re interested in. This will include a selection of matched lenders and tailored options based on your profile. You’ll have the opportunity to review the details and choose the best option for your needs.
Please note that Check provides a comparison service to help you explore the best options available. This service is designed for informational purposes only and compares a variety of personal loans, homeowner loans, credit cards, mortgages, and insurance products from trusted lenders and partners. While we strive to match you with suitable options, there’s no guarantee that you will receive an offer or meet a partner’s eligibility criteria. Rest assured, Check will never charge you for this service. If you proceed with a credit agreement through a lender referred by our platform, Check may receive a commission from the lender or partner.