Get your finance first
Get your finance first
Any vehicle | Any dealership | No deposit | All credit scores considered
Rates from 5.9% APR. Representative APR 18.9%
Why do I need vehicle finance?
Let’s be honest – almost everyone needs vehicle finance these days. It’s just one of those things you have to do. We know you’d probably rather be doing something else, so we’ve tried to make the process as quick and painless as possible.
And, a quote from The Vehicle Financer doesn’t affect your credit score. Happy days
Why The Vehicle Financer
We’re finance experts
We work with a wide range of lenders, who we know and trust. This helps us get the very best vehicle finance deal for you.
We’re vehicle experts
We’ve been in the vehicle finance business for over 20 years – we know our stuff. Find your own vehicle, or tap our knowledge, it’s up to you.
We’re customer service experts
We want you to be happy and we’ll do everything we can to make that happen. If you need some help, just ask.
Let’s get started
Answer the questions, it’s the usual stuff – name, time at current address that kind of thing – and we’ll do the rest.
Our experts know the answer
Nothing. We don’t ask you to pay anything for the work we do for you, the lenders pay us instead. If we’re able to find suitable finance for you, the lender gives us a fee for arranging your finance through them. Sometimes the dealer or the lender might ask for an administration fee, if they do, we’ll let you know.
Yes, there probably will be some restrictions on the vehicle you can buy, usually these relate to the age of the vehicle, how many miles it’s done and how many miles you can drive each year as well. These are standard across all lenders. There may also be other conditions that depend on your personal circumstances, but each lender is different, so we can’t say for sure what they might be until you make an application. What we can say is, if you have your eye on something that doesn’t meet this criteria, give us a call and talk to us about it.
You need to be at least 18 years old to apply for vehicle finance. This may seem a little unfair seeing as you can drive a car at 17, but it’s to do with finance regulations. You have to be 18 to sign a credit agreement, which is what vehicle finance is. It’s a legally binding contract that only an adult can enter into. Between the ages of 18 and probably about 21 it may be hard for you to get finance simply because you’ll have no credit history for the lenders to look at. Again, seems a little unfair, but looking at your credit history is one of the ways a lender decides who to lend to and how much to lend.
We’ll need to see:
– a copy of your driving licence – so we can be sure you can legally drive the vehicle you want to buy and it also proves you are who you say you are too.
– proof of address – more identification checks.
– proof of earnings – we usually need to see some proof that you earn what you say you do, which is important for lenders to make sure you will be able to afford the monthly payments.
All lenders will need to see your driving licence and most will need to see the proof of address and proof of earnings too. Some may ask to see other documents, if they do, we’ll let you know. Any documents you send to us as proof of your address or earnings need to be dated within the last three months.
Yes, you can. We know that times can be tough and sometimes things go a little wonky with finances, it can happen to us all. We don’t think this should stop you getting finance, so we’ve made sure we have a range of lenders on our panel that specialise in lending to people with a less-than-perfect credit history. We won’t lie, you may not get the best rates of interest, but you’ll be able to get the new car, van, motorbike, motorhome, caravan or horsebox you were after and improve your credit score! Yes, it’s true, getting finance will improve your credit score, as long as you keep to the repayments you agreed to, of course.