We don't have physical stock. You can buy a vehicle from ANY UK dealership. However; we can source you a vehicle to suit your needs and budget. We advertise vehicles with a monthly cost of examples of what we have financed and what we can finance for you. We can send you multiple vehicles to look at, videos & photos. We can arrange test drives, collection or delivery for you as well. ALL FOR FREE!
Yes you can repay the loan early without any extra penalties or charges in most cases on all of the loans we provide. You will be expected to pay the remaining capital but not the remaining interest. If you have overpaid you could be even entitled to a rebate of interest. The lenders do also allow you to make over payments as well as settling the finance early. If you do decide you want to settle the agreement, you will need to call and request a settlement figure.
Your application takes around 60 seconds and we can usually get an instant decision within another couple of minutes. If you have a vehicle in mind, all we need is the details and we can give you an instant quote. After that, its down to yourself if you are happy with the repayments to sign the documents and providing the dealership has the vehicle prepped, you could be driving away the same day! However, we do like to say usually 24 hours if the vehicle is ready. If not, its just how fast the dealership can get it ready.
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.
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.
Yes, you can. We know that sometimes things change and you might need to cancel your vehicle finance. If this happens to you, there are options to cancel. However, when you cancel makes a difference. When you sign the finance contract you have what’s called a 14 day ‘cooling-off’ period, which starts from the date the contract is signed. During this time, you can cancel your contract without giving any reason and with nothing to pay. After this time has passed, cancelling will depend on what your lenders rules are. If you think you may need to cancel your finance, and you are outside of the cooling off period, give us a call. We can look at your options and tell you how to cancel if we’re not able to [...]
We’ll need to see: - a copy of your photo ID – this can be either your driving license or passport. - proof of income – occasionally the lender may ask you to prove your income for affordability purposes.
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.
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.