Compare Rent to Own Car Finance

  • No credit checks required
  • No deposit needed to get started
  • Own your car with simple weekly or monthly payments
  • Instant approval in just 60 seconds
  • Flexible payment plans to suit your budget
  • Drive away the same day with full ownership options
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Rent to Own Car Finance: Flexible Options Without Credit Checks

Are you looking for an easy way to get your next car without needing a big deposit or a complete credit check? Rent-to-own car finance might be just what you need. You can make simple monthly payments, and there are no hidden fees. This option is good for customers with bad credit too. Soon, you could be driving a new or used car and feel completely at ease.

Check your eligibility today with Free Price Compare’s simple and fast application.

Why Choose Rent to Own Car Finance?

  • You don't need a credit check.
  • A deposit is not required.
  • A soft credit check won't change your credit score.
  • Choose fixed weekly or monthly payments that suit your budget.
  • Get your eligibility results in less than 60 seconds.
  • Available all over the UK, including cities like London, Manchester, and Birmingham.
  • Drive off in a new car, used car, EV, or family car.
  • The providers are FCA registered and practice ethical lending.
  • There is great customer service and a strong focus on making customers happy.

Fact: The Financial Conduct Authority (FCA) says that more than 6.2 million people in the UK have a type of car finance agreement.

How Rent to Own Car Finance Works

Renting a car through a rent-to-own plan is easy. It’s perfect for people who are on a tight budget or have bad credit.

Step Action
1 Fill out a quick online form – no hard credit check needed
2 Get matched with offers that suit your monthly budget
3 Collect your car from an approved UK dealership

All providers are FCA regulated. Terms apply.

How Rent to Own Car Finance Works

What You Get With Rent to Own

  • You will have ownership of the vehicle after the agreed period of time.
  • Enjoy complete flexibility - choose from Vauxhall, Ford, Hyundai, and more.
  • You can pick between weekly costs or monthly rental options.
  • There are private hire options for Uber drivers or family members.
  • Electric vehicle (EV) options are now available.
  • Choose between a family car or a small city car.
  • Contracts are simple and come with no long-term commitment unless you decide to have it.

Fact: The average sale price of a used car in the UK went up by 9.8% from 2022 to 2023, as reported by AutoTrader.

Real Costs of Rent to Own vs Traditional Financing

Type Deposit Credit Check Typical APR Ownership
Rent to Own No deposit Soft check only Representative APR from 8.9% After end of rental
Traditional Financing Large deposit (10%+) Full hard credit check 6%-15% depending on credit score Immediate ownership after payments

Compare Electric Car Finance

One of the most significant differences in electric car financing is the availability of federal tax credits and state incentives that can help offset the cost of purchasing an EV.

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What About Mileage and Hidden Costs?

  • Mileage: Most rent-to-own deals allow for 10,000 to 15,000 miles in a year.
  • Hidden Costs: Be sure to look for if road tax is included, along with servicing packages and extra charges for miles over the limit.
  • Hidden Fees: Some companies may charge fees for ending a contract early or other admin costs. Free Price Compare only shows deals that have clear pricing.
Is Rent to Own the Best Option for You

Is Rent to Own the Best Option for You?

Rent-to-own can be the best option if you:

  • Have bad credit or a low credit score
  • Cannot pay a big deposit at once
  • Need a car for work, family, or private hire (like Uber in London)
  • Prefer monthly payments instead of one big purchase price
  • Want peace of mind without long term contracts

If you want to keep the car for several years, traditional financing or leasing deals could save you money over time.

Popular Rent to Own Cars Available

  • Used Skoda Enyaq iV 60 – from £135 per week
    A 2022 model (22 plate) with a range of 256 miles (WLTP).
  • Used Kia e-Niro 2 – from £135 per week
    A 2022 model (22 plate) that offers up to 282 miles range with a 64 kWh battery.
  • Toyota bZ4X Pure – from £199 per week
    A brand new 2025 model (25 plate) with a 317-mile range (WLTP).
  • Volkswagen ID.4 Pro Match – from £276 per week
    A 2024 electric model that has a range of 349 miles (WLTP).
  • Mercedes EQA 250+ – from £275 per week
    A 2024 electric model with a 346-mile range (WLTP).
  • Ford Explorer Premium – from £276 per week
    A 2024 electric model offering a range of 374 miles (WLTP).
  • Kia Niro EV – from £215 per week
    An electric vehicle that offers a range of 285 miles.
  • BMW i5 eDrive 40 Sport Edition – from £439 per week
    A 2025 electric model offering a range of 384 miles (WLTP).
Car Model Type From (Weekly Cost) Range (WLTP)
Skoda Enyaq iV 60 Electric £135 256 miles
Kia e-Niro 2 Electric £135 282 miles
Toyota bZ4X Pure Electric £199 317 miles
Volkswagen ID.4 Pro Match Electric £276 349 miles
Mercedes EQA 250+ Electric £275 346 miles
Ford Explorer Premium Electric £276 374 miles
Kia Niro EV Electric £215 285 miles
BMW i5 eDrive 40 Sport Edition Electric £439 384 miles

Prices are correct as of 08/04/2025. Prices and availability may change. Terms and conditions apply.

Compare Low APR Car Loans

Low APR (Annual Percentage Rate) car loans are financing options that offer borrowers a lower interest rate compared to traditional car finance deals.

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Rent to Own vs Leasing: What's the Difference?

Feature Rent to Own Leasing
Ownership Yes, at end of term No
Credit Check Soft only Hard credit check required
Flexibility High Moderate
Ideal for Bad credit or tight budget Good credit, changing cars often
End of Term Keep or return the car Return car, no ownership

Why Choose Free Price Compare?

  • Our expert team has years of experience in car finance.
  • We have an ethical lending policy and do not practice aggressive selling.
  • You will get great customer service with a strong focus on transparency.
  • We are trusted by thousands of people across the UK.
  • There are no hidden fees or nasty surprises.
  • We provide full support whether it’s your first time or if you are upgrading to a family car.
  • We offer private hire options for Uber, Bolt, and more.

Call today to talk to our expert team or check your eligibility now.

FAQs About Rent to Own Car Finance

Rent to own lets you rent a car for a period of time. You make weekly or monthly payments during this time. At the end of the rental period, you can choose to buy the car for a fixed final price.

No, we do a soft credit check. This won't affect your credit score. We only review your credit history to find the best option for you.

At the end of the rental period, you have two choices. You can pay the sale price equivalent to keep the car, or you can return it without any penalty, depending on the deal.

Many rent-to-own vehicles are good for private hire jobs like Uber and Bolt, especially in London.

Free Price Compare has many EV options for you. You can choose from cars like the Hyundai Ioniq and the Nissan Leaf. They offer flexible weekly costs.

Read More about Rent to Own Car Finance

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Page last updated on: 14/04/2025

Page reviewed by: Shay Ramani

Zuto is a credit broker, not a lender. Our rates start from 9.9% APR. The rate you are offered will depend on your individual circumstances. Representative Example: Borrowing £8,000 over 60 months with a representative APR of 19.7% the amount payable would be £204 a month, with a total cost of credit of £4,219 and a total amount payable of £12,219.

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