Eligibility for car finance depends on personal factors, including credit history and affordability. Every lender’s criteria is different, so no one can guarantee car finance in any way.

We are specialists in helping people get car finance even if they’ve been refused by other lenders, are on benefits, are self-employed looking for car finance, or have a less-than-perfect credit score.

It is possible to get car finance online. Even if you don’t have a car in mind, getting pre-approved should be quick and easy, and means you can browse for cars knowing how much you can borrow.

Applying for a car loan online can vary from company to company, find out more about how long car finance approval takes.

It’s important to understand how car finance interest is calculated, because this affects how much your monthly payments will be and how much your car finance agreement costs.

APR stands for Annual Percentage Rate. It is a percentage that shows you how much it costs to borrow money for one year. APRs vary by product, lender, and person, so it’s important to understand what APR means before signing a finance agreement.

A soft search, also known as a soft credit search or a soft credit check, is when a lender has an initial look at your credit report. This helps them understand if you are eligible for car finance, based on how you’ve managed credit in the past.

It is possible to get approved for car finance with a soft search, but not all car finance companies use a soft search at the point of application. Some use a hard search, which will affect your credit score.

Read more about the differences between a soft and hard credit search in our guide.

A mileage allowance is the maximum number of miles you can drive the car without incurring additional fees. Excess mileage charges are applied if you go over your pre-agreed mileage allowance.

This is common with Personal Contract Hire (car leasing) and Personal Contract Purchase (PCP) car finance.

Our CS agreements do not have a mileage allowance, nor are there any late payment charges or hidden fees during your agreement.

It is possible to make early payments on car finance. This is called an early settlement and involves paying off some or all of your agreement early.

With our CS agreement, we use a fixed interest rate. This means that your monthly payments will stay the same throughout the lifetime of your agreement.

However, we can’t speak for other lenders and different types of finance, which may use a variable interest rate or have additional fees.

Yes, you could finance a new or used car with us, as long as it meets our lending criteria.

Once you’ve got a car on finance, it’s not as easy as simply selling the car and cancelling the agreement. Depending on your lender and the type of finance, there are processes that must be followed to settle the total finance amount before you can end the agreement.

You can read more about this in our guide that answers this common question: can you sell a car on finance?

If you’re looking to sell your current car on finance to get a new one, you may be able to part exchange your current car.

A typical deposit is usually 10% of the loan amount. However, this depends on the car you’re looking to buy, and is subject to affordability checks.

It may be possible to finance a car with no deposit, but putting down a deposit can help to reduce the amount you need to borrow. This could make car finance cheaper compared to someone who doesn’t put down a deposit.

Remember that there are lots of other costs involved with owning a car, not just the car finance monthly payments. There is also fuel, MOT, road tax, maintenance, and servicing.

Yes, we can accept part exchanges.

A part exchange acts as a deposit towards your new car in the same way that a cash deposit does. However, if your current car is on finance, you must ensure the existing agreement is settled before you can part exchange it and start a finance agreement with us.