APR stands for ‘annual percentage rate’. This represents the total cost of borrowing money for a year.

Our car financing calculator gives examples of what an agreement with us might look like, but it’s important to note that your personal APR will depend on various factors, including your credit history and score.

If you’re interested, you can get a personalised quote to see if we can help you. If you’re approved, we’ll show you your personal APR and the amount you can borrow.

For more information, check out our guides that explain what APR means and how car finance interest is calculated.

Car finance and a car loan might seem similar but they are not the same thing.

Car finance is where a lender pays the dealership for you, and you make monthly payments until you have repaid the borrowed amount plus interest.

On the other hand, a personal loan is a lump sum of money that you can use as you please. You can use it to buy a car, and if there’s any money left, you can use it to cover maintenance and running costs as well.

Read more in our guide that compares car finance and personal loans so you can decide which is best for you.

A deposit is the amount of money you pay up front when starting a car finance agreement. Whether or not you are eligible for a no deposit car finance deal depends on your individual circumstances.

It’s important to note that some of our car finance agreements may require a deposit based on your credit history and affordability.

Get a quote in less than 5 minutes and we’ll show you your personal APR and how much you could borrow. Our friendly team of experts are happy to discuss your options with you, including the deposit amount required.

To get car finance, you’ll need to provide proof of your identity and income to the lender. This is to verify your identity and to ensure that car finance is affordable for your circumstances.

When you get a quote, we’ll ask for the following information:

• Personal information: this includes your name, date of birth, and marital status
• Employment: your employment status, employer, and job title. Please note that we will never contact your employer
• Income: your net monthly income (what you make each month after tax)
• Address history: your current address and 3 years of UK address history
• Contact details: your mobile number and email address so we can get in touch with you if you’re approved

If you’re approved, one of our friendly experts will guide you through our process, including any paperwork you need to provide. If you’re approved in principle, it’s because we need a few more details to support your application. A member of our team will guide you through that process.

Getting a quote with us only takes 5 minutes and gives you an instant decision as to whether we can help.

We only use a soft search at the point of application. This does not affect your credit score and lets us check your eligibility. We only use a hard search when contracts are drawn up for you to sign.

Most lenders provide car finance for 100% of the value of the car. However, it’s important to remember that there are other costs to owning and running a car, such as fuel, tax, insurance, and servicing and maintenance. Make sure you factor in these costs before applying for car finance.

The amount of car finance that a company will lend you depends on various factors, such as your credit history and affordability. Eligibility varies from person to person, so some people may be eligible for more car finance than others.

We can provide car finance from £4,000 to £35,000. To get an idea of what your agreement might look like, get a personalised quote in less than 5 minutes.

It’s important to understand that car finance varies from person to person, which means that your monthly payments may differ based on your financial status and affordability.

On average, our customers pay between £300 to £400 per month for their Conditional Sale car finance.

There are several factors that affect how much your monthly payments are. These include:

• How much you want to borrow
• The length of your agreement
• Your personal APR

You can use our free car finance calculator to get an idea of what your monthly payments might look like.

When you’re ready, you can get a personalised quote. It takes less than 5 minutes and gives you an instant decision. If you’re approved, one of our friendly experts will be happy to help you further.

When you get a quote from us, we use a soft search which won’t affect your credit score or leave a mark on your credit file.

Once you’ve found the right car and contracts are drawn up for you to sign, we use a hard search. A hard search verifies your identity and financial circumstances and ensures we can provide finance to you. However, it may cause a slight drop in your credit score.

It’s important to note that when you get car finance, your credit score may drop because you’ve taken on a new line of credit and agreed to borrow a large amount of money.

Over time, car finance can help build your credit score. Making payments on time shows that you can manage credit responsibly, which can increase your chances of being approved for credit in the future. However, this isn’t guaranteed, and you’ll need to make sure that you’re also repaying your other debts on time.

If you already have a vehicle in mind, great! Check out our lending criteria to make sure it’s something we can finance.

There are some vehicles we can’t finance, however, so make sure to check our vehicle exclusion list.