Frequently Asked Questions

No, obtaining a finance quote from us won't affect your credit score. We begin with a soft credit check to assess your financial situation. A hard credit check is only performed if you decide to proceed with a full application.?

Absolutely. If you're considering a newer vehicle, provide us with your current finance settlement figure. We'll explore options to help you transition smoothly to a new finance agreement.

Not at all. You have the freedom to choose a vehicle from any reputable dealership. Once you've selected a car, we'll assist in arranging the financing for you.?

Each finance option has its unique features:?

• Hire Purchase (HP): You pay fixed monthly installments, and ownership of the car transfers to you after the final payment.?
• Personal Contract Purchase (PCP): Lower monthly payments with an optional final balloon payment if you choose to own the car at the end.?
• Personal Loan: An unsecured loan where you own the car outright from the start, repaying the loan over an agreed term.?

To apply, you'll need:?

• A valid UK driving license?
• Proof of identity (e.g., passport or utility bill)?
• Proof of income (e.g., recent payslips or bank statements)?
• Be at least 18 years old?
• Be a UK resident for a minimum of 3 years?

Yes, we work with a panel of lenders who consider applicants with various credit histories. We'll strive to find a finance solution that suits your circumstances.?

Certainly. Self-employed applicants are welcome. We'll require documentation such as recent tax returns or business bank statements to assess your application.?

While a deposit can reduce your monthly payments, we offer finance options that don't require an upfront deposit, subject to approval.?

Yes, refinancing is an option. If you're looking to adjust your monthly payments or interest rate, we can help you explore refinancing solutions.?