You know when credit’s not on its best behaviour it can feel downhill all the way when it comes to financing a car but I found something interesting on https://carboom.co.uk that brightens things up. They say they’re a broker, not a lender and rates start from 9.9 percent APR with a representative rate of 19.9 percent APR. One example shows borrowing ten thousand pounds over five years with no upfront deposit all working out to about fifteen-thousand pounds repayable total. That kind of clarity about cost over time feels oddly reassuring, like they really want you to understand what you’re getting into.