The application process

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Want to know how long it will take or the documents we need? Find out more here.

Barney says: When checking your affordability to see if we can approve you for finance, we accept and consider a wide range of sources of income, including salary or wages, pension payments, and various tax credits and other benefits. There are also a range of sources of income we can’t accept when calculating your level of regular income, for example one-off bonuses, unemployment benefit, expenses, and maternity/paternity pay. We’ll try to verify your income automatically by sourcing information from third parties we work with, so we may not need to ask you for any documentation. If we do need to ask you for proofs which prove your income sources, we’ll tell you what we need during the application process.

Barney says: When you first apply to us (whether online or over the phone or through a vehicle supplier), the initial credit search we carry out to check if it looks like we can offer you finance is what’s known as a ‘soft search’. This means it won’t affect your credit score. After the initial application, if you want to enter an agreement with us, we’ll then carry out a full credit search which will show on your credit file.

Barney says: A soft credit search is an initial credit check which doesn’t leave a footprint on your credit file. A normal credit check would be visible to other lenders and if you’re turned down for finance, or even if you end up making multiple initial applications, this can drag your score down, making it harder for you to get finance in the future. A soft search avoids this problem - you can shop around to find the right finance agreement without it affecting your credit score.

Barney says: We can’t guarantee we’ll approve everyone who applies for vehicle finance. However, we do specialise in helping people who need vehicle finance, even if they have been previously declined by other lenders based on a poor credit score. It’s always worth submitting an initial application to us and we’ll perform a ‘soft credit search’ which won’t impact your credit profile but will mean we can give you a quick decision on whether it looks like we may be able to lend to you.

Barney says: Definitely. We specialise in helping people who need vehicle finance, even if they have been previously declined by other lenders based on a poor credit score. It’s always worth submitting an initial application to us and we’ll perform a ‘soft credit search’ which won’t impact your credit profile but will mean we can give you a quick decision on whether it looks like we may be able to lend to you. Once we’ve provisionally accepted you for finance we’ll then need to ask you to provide some documentation to prove your identity, and possibly documentation (e.g. payslips) to confirm our affordability calculations. We’ll then carry out further checks before we confirm your full acceptance for finance.

Barney says: To meet our pre-application criteria you must:

  • Earn more than £1,000 (after tax)
  • Be able to provide documentation to prove your identity and address (typically a valid UK driving licence) and documentation (e.g. payslips) which proves your income.
You must also have a bank account that accepts Direct Debits and you need to live in England, Scotland or Wales (we don’t offer finance to people living in Northern Ireland, the Channel Islands or the Isle of Man).

Car finance

We can offer you car finance if you’re over 21 years old but not over 65. You’ll need to hold a valid UK driving licence or a DVLA pass certificate, and be in employment or self-employed. For car finance, the mileage can be no more than 120,000 miles at the start of the agreement, and the car can be no older than 12 years at the end of the agreement term.

Van finance

We can offer you van finance if you’re over 21 years old but not over 65. You’ll need to hold a valid UK driving licence or a DVLA pass certificate, and be in employment or self-employed. For van finance, the mileage at the start of the agreement can be no more than 125,000 miles. The van also needs to be no older than 7 years at the start of the agreement and no more than 12 years old at the end of the contract. All van finance agreements require a £400 minimum deposit. For full details on our criteria see our van finance page.

Motorbike finance

We can offer you motorbike finance if you’re over 25 years old but not over 65. You’ll need to hold a valid A, A1 or A2 UK driving licence or a CBT pass certificate, and be in employment or self-employed.  For motorbike finance, the mileage at the start of the agreement can be no more than 30,000 miles, and the van can be no older than 6 years at the end of the agreement. All motorbike finance agreements require a £400 minimum deposit. For full details on our criteria see our motorbike finance page.

Barney says: We specialise in providing finance to those who may have been declined finance elsewhere or have poor credit, but we can’t always provide finance to every customer. If you don’t meet our specific pre-application criteria, we will tell you that. If we decline you after completing a soft or full credit search, in most cases we won’t be able to confirm the specific reasons why we’ve declined an application but we will refer you to our credit reference agencies who can confirm further information for you.

Barney says: Absolutely. There’s no reason why we wouldn’t consider accepting you for vehicle finance if you’re in the Armed Forces. The only thing to be aware of is if you’re thinking about financing a vehicle you want to use or keep abroad on a regular basis. When we finance a vehicle, it’s one of the terms of the agreement with us that you must keep it in the UK until the final payment is made and you become the full legal owner. You can take a vehicle abroad for a holiday (we generally ask you to let us know about that and confirm the time period).

Barney says: Our main focus is on ensuring the agreement is affordable and sustainable for you, but we also try to balance this with making the application process as easy and quick as possible. You can help us speed up the process by having the necessary documentation to hand when applying. We will normally ask you for a copy of your valid UK driving licence to prove your identity. We may also need to ask you for documentation (e.g. payslips) to confirm our affordability calculations. If we can’t obtain the documentation we need from you or your introducer, this can increase the time it takes us to process your application.

Barney says: If we can’t help you with vehicle finance, we’ll let you know as soon as possible, and send you confirmation of that in writing. We won’t be able to confirm the specific reasons why we can’t offer you finance, but we will give you the details of the credit reference agencies we work with, who you can contact to find out more if you need to.

Barney says: If we provisionally approve your application, we’ll ask you to provide some documentation to prove your identity, and possibly documentation (e.g. payslips) to confirm our affordability calculations. Once we’ve confirmed your full acceptance for finance and finalised your agreement with us, we’ll pay out the lend amount to the vehicle supplier and send you a confirmation email so you know that’s happened. Once you have received confirmation, please contact your dealer to arrange collection of your new vehicle.

Barney says: When you complete your initial application with us, we’ll carry out a near-instant soft search check on you and give you an immediate credit decision on whether we can offer you finance (without impacting your credit score). If you’re provisionally approved, we’ll then call you back to discuss your application in more detail within one working day of receiving it. You’ll need to provide some documentation to prove your identity, and possibly documentation (e.g. payslips) to confirm our affordability calculations. Subject to passing these checks (including a full credit search which will appear on your credit profile), we can usually pay out the finance within 2-3 working days.

Barney says: It couldn’t be easier – start your application online or give us a call on 0330 555 2505.

Barney says: We can finance a wide range of vehicles: anything from a super-mini to an SUV or even a transit van, but we do have some criteria for the age and mileage of vehicles.

Car finance

For car finance, the mileage must be less than 120,000 miles at the start of the agreement, and the car can be no older than 12 years at the end of the agreement term.

Van finance

For van finance, the mileage at the start of the agreement must be less than 125,000 miles, and the van can be no older than 6 years at the end of the agreement. All van finance agreements require a £400 minimum desposit.

Motorbike finance

For motorbike finance, the mileage must be less than 30,000 miles at the start of the agreement, and the motorbike can be no older than 6 years at the start of the agreement term. All motorbike finance agreements require a £400 minimum desposit.

Barney says: Once we’ve completed an initial soft credit search to confirm if we can offer you finance, we will need to ask you to provide some documentation. We will normally ask you for a copy of your valid UK driving licence to prove your identity. We’ll then run automatic checks of your income and expenditure, so we may not need to ask you for anything else. If we do need additional information, we may ask you to provide documentation (e.g. payslips) to confirm our affordability calculations.

Barney says: The minimum lend on a car and van is £4,000. The actual amount we can lend you depends on a number of factors, including the type of vehicle you want to finance, the amount of deposit you have available, and your income and ability to make payments. The maximum amount we can possibly lend is £25,000 for both car and van finance.

Barney says: We provide vehicle finance, but we don’t provide the actual vehicle. We don’t stock any cars or vans ourselves, and we don’t tell you which dealer you must use. You can source the vehicle yourself from wide range of vehicle suppliers across the UK, as long as they’re reputable and regulated by the Financial Conduct Authority (FCA). We give you the freedom to choose the vehicle you want and need to best suit your circumstances. If you don’t know what vehicle you want yet, or haven’t found it, you can still apply with us to find out if we can offer you finance and how much. You’ll then know what finance you have to play with as you continue your search and we can suggest some vehicle dealers in your area and help with your search if you need that.

Barney says: We can finance a wide range of vehicle types, but there are a few vehicle types we can’t offer finance on:

  • Cars used for driving instruction
  • Left-hand drive car or parallel (grey) import cars
  • Cars used for taxi, limousines, driving schools and couriers
  • Motorhomes, caravans or heavy commercial cars
  • Farm vehicles
  • Specialist types of Light Commercial Vehicles, such as cranes or cherry pickers, or any vehicle with specialised bodywork
  • Mini buses
  • Vehicles to be used for removal purposes

Barney says: Usually we can help! We specialise in providing vehicle finance to people who have a poor credit history so it’s worth submitting an initial application with us and we’ll perform a ‘soft credit search’ which won’t impact your credit profile but will mean we can give you a quick decision on whether it looks like we may be able to lend to you.

Barney says: We specialise in providing vehicle finance to people who have a poor credit history, or have experienced financial difficulties in the past. If you were previously made bankrupt, we may still be able to offer you vehicle finance, but you must have been discharged from your bankruptcy for a minimum of  6 years at the point you apply with us. If you’re unsure, it’s always worth submitting an initial application to us and we’ll perform a ‘soft credit search’ which won’t impact your credit profile but will mean we can give you a quick decision on whether it looks like we may be able to lend to you.

Barney says: We specialise in providing vehicle finance to people who have a poor credit history, or have experienced financial difficulties in the past. If you’re in an IVA we may still be able to offer you vehicle finance. It’s always worth submitting an initial application to us and we’ll perform a ‘soft credit search’ which won’t impact your credit profile but will mean we can give you a quick decision on whether it looks like we may be able to lend to you. You can also find out more by visiting our dedicated IVA finance page.