What are your pre-application criteria?

Barney says:

To meet our pre-application criteria you must:

  • Earn more than £1,000 (after tax)
  • 2 consecutive month’s payslips or bank statements

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.