Frequently Asked Questions
How quickly will I find out if I’m eligible?
We ensure all applications are processed immediately upon receipt. If you’re over 18 and in a comfortable financial position you’re more or less guaranteed to qualify.
What kind of interest rate can I expect?
It depends entirely on your personal circumstance and the nature of the finance agreement. Our specialist lending partners offer competitive deals with unbeatable APRs starting from as little as 6%.
Can I buy any car?
Yes, you have complete freedom of choice to buy any car you like after being approved for vehicle finance. The vehicle must be purchased from an approved UK dealer in order to guarantee its quality and value.
Can I apply with a poor credit history?
Yes, we welcome poor credit applicants and go the extra mile to find the best car finance deal. Submit your application online or contact a member of our customer support team for assistance.
What’s the best deal you can offer?
We work with a network of specialist UK lenders to provide unbeatable deals you won’t find on the High Street. For applicants with an excellent credit score and few existing debts the APR on your loan could be as low as 3.73%.
How do you reach a decision?
We ensure that every application is considered by way of individual merit rather than basing a decision exclusively on a credit report. Working with a network of car finance lenders across the UK we’ll do everything we can to ensure your application is accepted.
Do I need to choose a car ahead of time?
No, but you need to think carefully about how much you intend to borrow to cover the cost of the car.
What if I change my mind?
Right up until the car has been successfully purchased from the dealer the loan isn’t yet formally activated. This means that if you wish to change the terms of your loan or back out of the deal you can do so right up until the last moment.
Can I buy a car for someone else?
No, the agreement requires that the registered keeper of the car is the individual applying for the loan.
What about early repayment options?
There’s always the option of paying back your loan ahead of time or making overpayments. Early repayment is advisable to minimise overall borrowing costs.
Will my private information be kept safe?
Yes, we work exclusively with lenders and financial specialists that demonstrate the strongest regard for data protection. Your personal information will not be sold or distributed to third parties under any circumstances.
When will I receive a final offer?
You’ll most likely receive confirmation of your eligibility immediately, though it may take a few hours. If you haven’t heard from us within a couple of hours contact a member of our customer support team.
How quickly can I collect my car?
If your application is accepted and you choose to go ahead the payment can be transferred directly to the dealer the next day after which you’re free to collect.
What kind of ID and documents are required?
This varies between lenders in accordance with their policies. You will need to provide proof of your identity, address and have your driving licence.
What’s the minimum loan value I can apply for?
Subject to status you can apply for a vehicle loan of any amount – just as long as the value of the vehicle is more than £1,500.