FAQs
12 Jan 2016

Have Questions?

For your convenience, our most frequently asked questions are answered right here.

We know this doesnt cover everything so if you are not finding what you want, reach out directly through our Contact Us page.

I’M SELF-EMPLOYED CAN I GET CAR FINANCE?

Yes, we can usually help in any instant as long as you can demonstrate proof of your income.

WILL I BE CONSIDERED IF I’M IN AN IVA OR TRUST DEED?

Yes we can, we will be required to show authority from your IVA company to allow you to take finance out, this is usually a formality.

I HAVE BEEN REJECTED ALREADY BY ANOTHER FINANCE COMPANY, SHOULD I STILL APPLY?

Yes, we approve the majority of cases sent to us, as long as you are able to provide proof that you can afford the repayments.

CAN I APPLY IF I’M IN THE ARMED FORCES?

Yes you can. We pride ourselves on helping all of our brave heroes.

DO YOU DO A CREDIT CHECK WHEN I APPLY?

Most of our underwriters now have a soft search facility which will not harm your credit report. However, there may be occasions that a full search is carried out, we will not carry out any unnecessary searches in order to have a minimal affect on your credit report.

WHAT’S THE MINIMUM I CAN BORROW?

Usually the minimum lend is £2,000.

DO YOU CHARGE ANY FEES?

No, there are no upfront fees or application charges to be paid. 

CAN I USE MY PART EXCHANGE AS A DEPOSIT?

Yes you can, the selling dealer can offer you a price on this however, we can also tell you the recommended trade in price for your car on order to make sure you get the best price for your car possible.

WHAT SHOULD I DO WHEN I HAVE FOUND THE CAR I WANT?

Simply apply next for the want and we can then provide a quotation. 

WILL I OWN THE CAR AT THE END?

Yes once all of your repayments have been made you will be the legal owner of the vehicle.