New car finance in Jersey and Guernsey.
Buying a new car in Jersey or Guernsey with a personal loan means you own the vehicle outright from day one — no mileage limits, no condition clauses, and full freedom to sell when you choose. We search the Channel Islands market to find the most competitive personal loan rate for your new vehicle, with funds in your account typically within 48 hours of approval.
- Own your car outright from day one — no finance company restrictions on mileage or modifications
- Fixed monthly repayments make budgeting straightforward
- Competitive rates from lenders who understand Channel Islands incomes and costs
- No deposit required by some lenders if your credit profile is strong
- Funds paid to you directly — buy from any dealer or private seller
- Approval and funds typically within 48 hours
Quick facts
No obligation. Soft credit check only.
How it works
Tell us the car and your budget
Share the vehicle price and how much you want to borrow. We run a soft credit check only at this stage.
We compare loan offers
We search Channel Islands lenders and finance companies for the best rate and term for your new car purchase.
Funds arrive, you collect your car
Once approved, funds are typically released within 48 hours. Pay the dealer and drive away.
Who can apply?
- Jersey or Guernsey resident aged 18 or over
- Provable income from employment or self-employment
- Good to excellent credit history preferred, but poor credit options available
- No minimum deposit required by some lenders
- Buying from a dealership or a private seller both acceptable
- Both individual and joint applications accepted
Not sure if you qualify? Request a call back — we will tell you honestly what your options are before you apply.
Ready to get started?
Two ways to begin — choose whichever suits you best.
Soft credit check only
No obligation
Decision within 48 hours
Common questions
A personal loan means you own the car outright from the start, with no mileage or condition restrictions. Hire purchase can be cheaper monthly but the lender owns the car until the final payment.
Yes. Because you receive the funds as a personal loan, you can buy from any dealership or private seller in Jersey or Guernsey.
Most applications are approved within 48 hours and funds released shortly after. You could be collecting your car within two to three days of applying.
Most lenders have a minimum of around £3,000. For vehicles under this amount, a personal loan may still be available. We will confirm when you enquire.
Most car loans are fixed-rate, meaning your monthly payment will not change. We will show you the total cost of borrowing clearly before you proceed.
Ready to take the next step?
Complete a full application online or request a call back and we will do the searching for you.
No obligation. Soft credit check only.
Secure application
Apply Online
Complete your full loan application below. Your information is handled securely and sent directly to our team.
Almost done — press Send
We've opened an email in your mail app with your application details. Just press Send to submit it, and a member of our team will review it and contact you within one business day to discuss next steps.
Something went wrong. Please try again or email info@nowagogo.com.
Free, no-obligation
Request a Call Back
Leave your details and a member of our team will call you back within one business day. No obligation, no credit check.
Almost done — press Send
We've opened an email in your mail app with your details. Just press Send to complete your request, and a member of our team will call you back within one business day.
Something went wrong. Please try again or email us at info@nowagogo.com.