Who can apply for car finance?

Anyone over 21 yrs old with a Full UK Driving Licence, proof of address and income. This includes tenants, customers living with parents and self employed customers with proof of income (3 months latest bank statements). Please see The Finance page for more detail.

How quickly will I know if I have been approved for car finance?

A consultant will telephone you within a few hours of receipt of your enquiry.

I’ve had bad credit, CCJs, defaults etc in the past. Will I be approved?

Most likely yes if you’re over 21, have a full UK driving licence and are a UK resident with 3 yrs proof of address . 95% of car finance applications get approved!

I receive some benefits as income. Can these be taken into account?

Yes excluding “Child Benefit” Customers who ONLY have benefits as income cannot be approved.

What is the APR ?

The interest rate you will pay depends on the amount borrowed and the period of the loan. It will always be the lowest rate possible based on your credit history.

Can I get a car the same day I come to arrange the finance ?

Yes assuming you see a car you would like, you can drive it away the same day.

Where’s my nearest centre?

There are 8 centres throughout the UK : In the South of England, West London at Isleworth, Dunstable in Bedfordshire, Maidstone in Kent & Bristol in Avon. The Midlands has 2 centres, one in Birmingham and another at Sutton in Ashfield Nottinghamshire. The North of England also has 2 further centres, one in Manchester and another in Leeds West Yorkshire. See the branch finder for full details.

What kind of cars can I choose from?

Mainly family cars, saloons, hatchbacks, people carriers, 4x4s. Most popular makes and models priced from £1000- £12,000.

Will I need a cash deposit?

In most cases NO. Your part exchange car should be sufficient deposit

What kind of guarantee do I get with the car?

Every vehicle receives a comprehensive 136 point check and an independent M.O.T plus extended warranties are also available.

How long can I take the finance over?

Normally from 12 to a maximum of 60 months depending on the age and price of the car.