The application process

Got a question?

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

Barney says: It helps us and you if you have the proofs of identity, address and income to hand when applying. We’ll ask for copies of these if your application is accepted so any delays in getting them to us will affect the time it takes to process your vehicle finance application. As we'll need your permission verbally before we can complete a credit search, making an application over the phone removes any delay in giving you a decision. 

Barney says: We will advise you if we are unable to help you with vehicle finance in writing. We are unable to give specific reasons in individual cases, but we will direct you to our credit reference agency who hold information about you that has been taken into account.

Barney says: If we approve your application, we will then ask to see your proofs of identity, address and income. Once we have finalised your application, you will receive a confirmation email that we will pay the dealer. If this email is before midday, the funds will be paid the same day ready for you to collect your car. If you receive the confirmation email after 12pm you will be able to collect your car on the next working day.

Barney says: We’ll look at your application as soon as we can and will call you back to discuss your application in more detail within one working day of receiving it. Once the credit search has been completed we can give you an instant finance decision. If we can approve you, we can usually payout the finance within 2-3 days working days.  

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

Barney says: Once we have completed a credit search, we will need to see a copy of your valid UK driving licence  and 2 months consecutive personal bank statements or payslips showing your income.