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Frequently asked questions

Completing our simple application form won’t affect your credit score. Once we’ve confirmed a few details with you, we’ll start searching for the best deal. In many cases, we can complete checks using only soft searches which don’t impact your credit score. However, if your circumstances are a little more complicated, then we may have to use hard searches which will be visible on your credit report. If you do not want us to carry out any hard searches, just let us now.

Am I eligible for finance?

Our aim is to help as many people as possible to get car credit. Regardless of age, income or credit history, our expert team will do their best to get you on the road. Complete our simple application form to get your car credit quote.

How long does approval take?

In most cases, you’ll receive pre-approval within a day. If your circumstances are more complex, it may take us a little longer, but we’ll keep you updated at every stage.

Does applying for finance affect my credit score?

Completing our simple application form won’t affect your credit score. Once we’ve confirmed a few details with you, we’ll then start searching for the best deal. In many cases, we can secure finance for you using only soft searches which don’t impact your credit score. However, if your circumstances are a little more complicated, we may have to use hard searches which will be visible on your credit report. If you do not want us to carry out any hard searches, just let us know.

I want to part exchange, can you help?

Yes. If you want to part exchange your current vehicle and upgrade to a new one, we can help you get a great deal and the right finance. Contact us to find out more.

I have bad credit. Can I still get car finance?

Yes. Even if you have a poor credit score, you could still get car credit.

I have declared bankruptcy in the past. Can I still get car credit?

If you have been discharged from your bankruptcy, you could be eligible for credit. If you are still in your bankruptcy period, you will need to wait until you have been discharged.

Should I choose a car before applying for credit?

Not necessarily. By getting pre-approved first, you can choose your car with a budget in mind, and with greater confidence that your application will be successful.  

Is the car finance calculator accurate?

Our simple calculator is only a guide. It will give you a representative example of what you may be able to borrow and how much you would have to pay back, but you aren’t guaranteed those rates. For a more accurate quote, you need to complete our very simple application form which will take around sixty seconds to complete.

What if I’m not happy with the interest rate I am offered?

If you aren’t happy with the terms of the agreement, you are under no obligation to accept it. We can help you find credit for a lower amount, or you can postpone your purchase until you find an agreement you are happy with.

Where can I find more information?

If you can’t find the information you need above, you can check out our guides below which cover eligibility, choosing your vehicle, finance options, your credit and upgrades. Alternatively, contact our friendly team on xxxxxxxxx who will be happy to answer any questions you may have.

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