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Hi, I am looking for the best car finance deal possible. I have found an Audi A4 that I want to buy at a local Audi dealer but when I asked the salesman for an idea of monthly payments he quoted me 14.9% APR which I thought sounded quite high. The car is £17995 and I can put down £2000 as deposit. I wanted to repay the car finance over 4-5 years depending on how much it comes out to. I have always paid things back on time and have a good job. (I don’t want payment protection.) Can you tell me what the lowest interest rate is that you can do for me please? (0% would be nice!)


Hi Helen,

Thanks for your email about car finance. I’m sorry but we are unable to offer interest free car finance. (I would be first in the queue if we did).

0% finance is generally offered by car manufacturers  to promote new car sales and the interest is paid up front by the manufacturer so that the loan appears interest free.

Did the Audi dealer take a full finance application or just give you an indication of figures?

14.9% doesn’t sound like a very low rate of interest and our interest rates start from 5.9% APR so there is a very good chance that if you are looking for the best car finance deal available then we can save you some money.

You could also have a look at our online car finance calculator which will give you a very good indication of payment before you apply.

We have several different lenders that offer very low rate finance deals especially in March and September when a lot of new cars are sold.

If you fill out our online application form I will look out for it and personally see what we can do to help you Helen.

If you have any more questions feel free to ask.



About The Expert

Jon Le Roux is co-founder and company director of The Car Loan Warehouse. Being a mad engineering and motorsport enthusiast, I spend more hours than is healthy, watching, reading or talking about cars, boats, motorbikes…..basically anything with an engine.