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.

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We look beyond your credit score

Build your financial footprint

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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.

Representative example

Borrowing £12,500 over 60 months with no deposit at a fixed rate of 23.9% per annum, representative 23.9% APR, the monthly repayment would be £372.10. The total amount payable would be £22,546.20, which includes the £312 set-up fee and a £24 option-to-purchase fee.

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.