FAQs - The application process

How long does car finance approval take?

Sam Wooller, Customer Experience Communications Manager, Monday, 14 November 2022
Updated: Monday, 15 May 2023

When you complete your initial application with us, you’ll get an immediate decision on whether we can offer you finance. We will use a soft search which will not impact your credit score.

If you are approved or approved in principle, we’ll get in touch to within 1 working day of receiving your application. For those that are approved, we’ll only ask for you to provide documentation to prove your identity, these are called identity checks. If you’re approved in principle, as well as the identity checks, we’ll need to see documentation (e.g payslips) to confirm your affordability of the finance. These are called affordability checks.

If these checks are passed, and you’ve found the car you are wanting to purchase we’ll run a hard credit check when we create the agreement documents for you to sign. We can then pay out the finance to the dealership within 2-3 working days. Once this has happened, the car is yours to drive away in.

Find out more about our application process.