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.