Frequently Asked Questions

Can I get vehicle finance even if I have been turned down by my local garage?
I'm self-employed can I get car finance?
Where can I buy my car from?
Can you supply me with a new vehicle?
How long will it take to get a decision on my application?
Do I need to pay a deposit?
How much will my loan repayments be?
Are my payments fixed?
Is my loan application confidential?
What is GAP Insurance?
How do I pay the dealer?
How long is my offer of finance valid for?
Will the car be mine?
Will my car finance be secured on my house?

Can I get vehicle finance even if I have been turned down by my local garage?

Yes, you can. We help 9 out of every 10 customers who contact us as we are specialists in providing vehicle finance for people who have had previous problems obtaining credit. As long as you are not currently bankrupt or currently in an IVA we have specialist lenders that will consider applicants regardless of their past credit history and situation.
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I'm self-employed can I get car finance?

Yes, you can. Every application is treated in the same way.
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Where can I buy my car from?

You can buy your car from any reputable car dealership based in the UK mainland that has a Consumer Credit Licence so long as the car is worth the price you are paying, which we will check for you. We do of course work closely with hundreds of motor dealerships on a regular basis so we would also be able to recommend a dealership to you.
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Can you supply me with a new vehicle?

Yes, we can. Please let us know the make, model and exact specification you require and we will source one for you.
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How long will it take to get a decision on my application?

We process all applications within the hour and for the majority of cases we are able to advise you of the decision shortly after you apply.
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Do I need to pay a deposit?

You do not have to pay a deposit but you can pay one if you wish. This will simply reduce the amount you borrow and hence the monthly payments will be lower.
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How much will my loan repayments be?

That depends on how much you wish to borrow and what period you wish to repay it over as well as the interest rate that is applied to reflect your individual circumstances. We will however tailor the loan with you to ensure that the monthly repayments suit your budget.

We are able to offer loans from £2,000 to £100,000 and loan terms from 18 to 60 months. We find that in the vast majority of cases our customers get the loan they want and the monthly repayments that they want.
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Are my payments fixed?

Yes they are. The monthly payments are fixed throughout the period of the loan, that way you can budget more easily.
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Is my loan application confidential?

Yes, it is. We are legally obliged to protect any personal information and we are registered with the 'Information Commissioner's Office'. We adhere strictly to their confidentiality guidelines.
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What is GAP Insurance?

GAP Insurance is not a replacement for your motor insurance policy, but a valuable addition to protect you against serious financial loss should your vehicle be written off in an accident or stolen.
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How do I pay the dealer?

Payment is made directly to the dealer, that way you have one less thing to worry about, so you don't have to get involved in any unnecessary extra work.
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How long is my offer of finance valid for?

For thirty days although we usually find that customers obtain their car well within that time frame. Most customers have taken possession of their car within 5 days of applying.
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Will the car be mine?

Once you have made all the monthly repayments the car will be yours. You can of course settle the finance early or part exchange the car anytime.
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Will my car finance be secured on my house?

No. The finance agreements we arrange for you are secured on the vehicle itself not your home or other possessions.
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