Car finance

Marshmallow Car Finance is a lender – not a broker. That means we lend directly to you.

Our car finance agreements are provided by Marshmallow Credit Services Limited. We’re authorised and regulated by the Financial Conduct Authority.

Company number: 15834468

FCA reference: 1024606

There isn’t a specific minimum score. We look at your full financial profile to approve your loan.

So even if your score is low or you haven’t built up much history in the UK yet, you might still qualify for car finance with us.

Your privacy matters. Here’s how we help keep your data secure:

• We use strong encryption whenever your information is stored or shared.
• Our servers are protected with strict access controls.
• We run regular independent security tests and follow GDPR rules.

The setup fee contributes to our costs for setting up your finance agreement. It’s added to your loan balance and incurs interest at your agreement’s standard rate, unless you choose to repay it immediately – this avoids interest. The fee isn’t refundable if you settle your loan early.

If you cancel within the 14-day cancellation window, you won’t be charged this fee.

You can buy the vehicle by paying the final payment (which includes the OTP fee) if:

• You’ve paid everything you owe so far.
• You haven’t broken any of the rules in the agreement.

Yes. Get in touch and we’ll help you change your repayment date.

Yes. Get in touch and tell us you want to repay your loan. We’ll send you a quote and all the information you need.

You’ll have a set number of days to make the payment and, depending on your agreement, there may be a small early repayment fee.

If you’re worried about making payments, don’t wait to reach out. Get in touch as soon as possible. We may be able to offer:

• A different payment plan.
• A short payment break.
• More time to get things sorted.

Yes, you’ve got 14 days to change your mind. Get in touch if you want to cancel.

If you cancel within this cooling-off period, you’ll need to return any funds you’ve received. We’ll refund any interest and fees.

After 14 days, you can still repay early – just ask us for a final payoff amount.

Get in touch to update any of your personal details with us.

Changes you need to tell us about include:

• Your name
• Your bank details
• Your contact details
• Your home address

Voluntary termination (VT) is your legal right under the Consumer Credit Act 1974. It lets you end your car finance agreement early if certain conditions are met.

If you’re up to date with your payments and have paid over 50% of the total amount owed, you could hand back your vehicle without paying anything more.

It’s a good option if you’re struggling with monthly payments or just want to end your agreement early.

Get in touch if you’d like to explore VT or talk through your options.

Get in touch and let us know that you’d like to see your latest figures.

We’ll send you a personalised statement showing what you’ve paid so far and how much is left.

We’re really sorry this has happened. We know how stressful it can be. But, we’re here to help.

If you’re insured with Marshmallow

Head to our Claims page and follow the steps there.

If you’re insured with someone else

Contact your insurance provider as soon as you can. They’ll guide you through their claims process and may need a crime reference number.

Once you’ve spoken to your insurer, let us know. We’ll review your account and help with what comes next including managing any remaining payments or settling your loan.

Yes. If you’re feeling vulnerable in any way, please get in touch. We’ll listen and make sure you get the right support, tailored to your situation.