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Simple Finance in Just 3 Steps

We’ve streamlined the car finance process, with a simple online application and rates tailored to you.

Our aim is to make your car finance journey as stress free as possible. That’s why we’ve created a simple online application, where your individual circumstances will be taken into account. 

It doesn’t matter if you find your dream car or secure your finance first, we’re here to help you find a car finance solution that suits you. And as your initial application is soft search only, you can apply today with no affect on your credit score.

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Complete Our Short Online Application

Our short application process shouldn’t take more than a few minutes to complete, and you’ll get a fast decision on screen. The rate you’re provided will be based on your personal situation, as each application is assessed individually. 

When you apply with us, we conduct soft searches on your credit file, so your credit score won’t be impacted. You should be aware though that our lenders may undertake a full credit check if you’re matched with them.

If you have any questions along the way, our advisors are happy to help! Our team is made up of friendly, experienced individuals, who are there to make your car finance journey as straightforward as possible.

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We’ll Compare Lender Rates

This is the part where you let us do the legwork! We’ll search our network of responsible lenders, and do our best to find a car finance option that suits you. We will take into account how much you’re looking to borrow, as well as how much you can afford to put down as a deposit and repay each month, and compare car finance rates for you.

Each application is assessed on an individual basis, so even if you have less than perfect credit, you may still be eligible for a finance solution with one of our lenders. Though if you want to check your chance of approval before you apply, you can use our handy car finance calculator.

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Find Your Dream Car!

Once approved, you get to do the most exciting part! Now that you know how much you can borrow, you can choose your new set of wheels, from any reputable dealer you wish. And if you need any guidance on which car to choose, you can visit our vehicle section. 

When you’ve found your new vehicle, your lender will cover the cost to the dealer, and you can drive your car away the same day! You’ll then make monthly payments to your finance provider, until your agreement ends, you decide to make a balloon payment, or you own the vehicle outright.

Commonly Asked Questions

It's OK to have questions

Nobody has all the answers! And if you still have questions, you can check out all of our frequently asked questions.

To complete your application, you could need the following things to hand:

  • Your driving licence
  • Information about your employment
  • Another form of identification, usually a passport
  • Proof of address, usually a utility bill (dated within 90 days of your application)

When applying for car finance, you’ll need to possess a full or provisional driving licence, be a UK resident, be aged 21 or over and have a net income of £1,000 or above. You don’t need a perfect credit score to qualify - all credit histories are considered by our panel of lenders.

Our online application shouldn’t take more than a few minutes to complete, and you’ll then get a quick decision on screen. Just bear in mind that you can speed up the process by having the appropriate paperwork to hand!

Who actually owns the car will depend on the agreement. If you take out a personal loan to cover the cost of the car, you’ll own it immediately. But with hire purchase (HP) and personal contract purchase (PCP), until you make the final payment (which would be a balloon payment for PCP), the lender technically owns the car.

There is no credit rating limit for car finance, but the better your score, the more likely you’ll get approved at a lower rate.

When you make an application with us, we’ll only undertake soft credit checks, which won’t impact your credit score. It’s important to bear in mind though, that if you’re matched with one of our lending partners, they may choose to undertake a full credit check, which would be reported on your credit file.