FAQ

Am I eligible to apply for car finance?

• You are a UK resident for at least 3 years.
• You have a full UK Driving Licence.
• You are not living on barracks.
• Your income (benefits are accepted) is over £1000 and paid directly into a UK bank account.
• You are able to provide 2 months consecutive payslips or if self-employed, 3 months consecutive bank statements.
• You are over 18 years of age
• You are not in an active bankruptcy or debt relief order.

I only receive benefits, can I still apply?

Yes! Unlike some lenders, we take your benefits into account as income, therefore we can help in most circumstances with benefits including but not limited to: Income Support, Child Tax Credits, Working Tax Credits, Housing Benefits, Disability Allowance (DLA), Carers Allowance, Personal Independent Payment (PIP).

How long does it take to get approved?

Once you have applied online using our application form, we aim to process your application and get your approval and credit limit in place in less than 60 seconds, we think you'll be impressed with our speed and efficiency.

What documentation will I need to provide to get approved?

• Photo ID - We will use this as proof of your identity
• Proof of income - Wage slips or bank statements, minimum of 2 months will be required
• Proof of address - This can be in the form of a utility bill or council tax bill.

I have been refused elsewhere, can you still help me?

Have you been refused car finance due to bad credit? Don't worry it does not mean that you can't get car finance! We are specialists in bad credit car finance. Many of our customers have been refused car finance from other lenders because of poor or bad credit history.

Will the car be mine at the end of the agreement?

Yes! All of our car finance agreements are HP (Hire Purchase) which means as long as you stick to your repayment schedule, when your final payment has been made the car is yours to keep or sell, whichever you prefer.

What deposit will I need to purchase a car?

None! We don't require any deposit whatsoever, which means you can drive away in your new car quicker than you may have imagined. Simply apply online and our underwriters will get your approval in place with zero deposit required.

Can I part exchange my current car to reduce my payments?

Absolutely, we offer great part exchange rates on all makes and models of used vehicles, so if you have a car you'd like to trade in against your new purchase we're more than happy to work that into your finance deal.