FAQs

Yes, the car you are buying can be no more than 10 years old by the end of the finance agreement, i. e. if the vehicle is older than 6 years the term can not be greater than 36 months or 3 years. We can not lend more than the car is worth, we can only lend 100% of Glass retail, i. e. if the vehicle's retail value is £7500 we can not lend more than £7500. The vehicle must be HPI clear and preferably not exceed 100,000 miles although some cases will be over looked.

Yes, we can arrange car loans especially for the self-employed and those starting in business with no trading accounts.

Generally 3-5 working days — the documents have to be signed and returned to us by post. It will then take 3 working days for the money to be cleared funds in the dealerships bank account.

Yes, we offer an excellent accident, sickness and redundancy package for total peace of mind. The payment protection section provides details of this valuable cover.

Yes, the interest rate on your car loan is fixed for the term.

It is extremely safe to apply online as our web site employs the latest 128 bit encryption technology, therefore your details cannot be viewed by any unauthorised third party.

This will obviously depend upon your credit history, your income and the amount of cash deposit.

This will be dependant upon your personal circumstances — every car loan application is credit checked and will be placed with the relevant lender. Flat rates start from 5% and will not exceed 20%.

We can normally establish a decision in principal within the same working day if you apply before 12pm. We generally provide credit limits subject to income.

Yes, we accept over 90% of customers who have been turned down by other lenders every month. We have a panel of specialist lenders for people with an impaired credit history and we also provide excellent advice on how to rebuild your credit profile.

Yes, absolutely. Your car loan application is treated in the strictest confidence. We will not contact your employers, bank or any other third party without your prior permission. Your details will not be passed on to any other company or organisation.

Nearly, we only stipulate that you buy your car from a reputable dealership that has a CCL, (Consumer Credit License) and that the car is worth the price you are paying.