When we won't offer finance

Got a question?

We have some specific lending criteria – more information on our policies are here.

Barney says: We require all applicants to be at least 21 years old and not over 65 years old, hold a valid British driving licence or a DVLA pass certificate, be in employment or self employment, have a bank account that accepts direct debits and live in England, Scotland or Wales. (We do not offer finance for applicants living in Northern Ireland, the Channel Islands or Isle of Man.) We do have some criteria for the age and mileage of vehicles. 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. For van finance, the mileage at the start of the agreement can be no more than 125,000 miles, and the van can be no older than 6 years at the end of the agreement.

Barney says: In most cases, we are unable to let you know the specific reasons why we have declined an application and will refer you to our credit reference agency. However, if you do not meet our specific pre-application criteria, we will tell you.