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: Our initial soft credit search will not be visible on your credit file and will not affect your credit score. It will only be visible on your file as a full credit search if you finalise an agreement with us.

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. Soft search removes this problem as the search only shows on your credit file once you proceed with a final application, enabling you to shop around to find the right finance agreement without it affecting your credit score.

Barney says: It helps us if you have your proofs of identity, address and income to hand when applying. We’ll ask for copies of these if you application is accepted so any delays in them getting to us will affect the time it takes to process you vehicle finance application. You can either complete our online application form for a decision and we’ll get back to you or you can give us call and we’ll complete the process over the phone.

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 4pm, the funds will be paid the same day ready for you to collect your car. If you receive the confirmation email after 4pm you will be able to collect your car on the next working day.

Barney says: Our soft search application process means that you’ll get a decision, without any impact on your credit score. We’ll then call you back to discuss your application in more detail within one working day of receiving it. If you satisfy further checks and we can approve you, 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: 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.