Car Finance FAQ’s

Obtaining car finance can be a confusing time, here we have given answers to the most common questions you may have:

Q. How can I apply for car finance?

A. To keep the overall costs of our service down, we only accept online applications. This ultimately means that the cost savings are passed on to you.

Q. How long should it take to get a decision on my application?

A. We usually give a decision within an hour but in some circumstances we require up to 48 hours to confirm that you have been granted car finance.

Q. If I have ‘bad credit’ can I still apply?

A. Yes you can! Please feel free to apply for our car finance, regardless of your credit history. We have flexible plans that can be tailored to help those that have a bad credit history.

Q. Do you also sell cars?

A. No, I’m afraid we don’t actually provide vehicles, just the finance to enable you to buy a vehicle.

Q. How much money can I borrow?

A. The amount you can borrow depends on a number of factors. Your credit history, income and your monthly outgoings are all taken into consideration when calculating the amount you may borrow.

Q. How much will it cost me per month?

A. Again this is dependent on a number of factors. How much you borrow and how quickly you would like to pay back the loan are used to calculate this.

Q. How can I make my monthly payments?

A. For your convenience, once you have received your car loan, we set up a Direct Debit agreement with your bank so the payments are taken automatically each month.

Q. If I am accepted or car finance, how long do I have to decide?

A. As long as your circumstances have not changed between being accepted and accepting the loan, the offer is available for a period of 28 days from acceptance.

If you have any further questions that have not been answered here, please feel free to contact us.