Typical 23.9%APR

These are some of the most common questions we are asked. If you don't see the answer you need here, please give us a ring, we'll be only too pleased to help!

Q: Can I buy any car I like?
Almost, the only condition is that you buy your car from a reputable dealer and that the car is worth the price you are paying.

Q: Do I need to pay a deposit?
No deposit is necessary in most cases but you can pay one if you so choose.

Q: Will you keep my details confidential?
Yes. We will not pass on your details to any other company or organisation (other than another finance companies in connection with your application for car finance). The only exception to this is when we search your record at credit reference agencies. They will add to your record details of our search and this will be seen by other organisations that make searches.

Q: I’ve been turned down elsewhere, is it still worth applying?
Yes. Every day we help many customers who have been turned down by other lenders.

Q: I’m self-employed. Can I get car finance?
Yes you can. Simply click here to Apply Online now.

Q: How long a period can I have finance for and how old must the car be?
You can have finance from between 12 months to 60 months, depending on the age of the vehicle. Generally, the car you buy must be no more than 10 years old.

Q: What interest rate will I pay for my finance?
Your interest rate is dependent on your circumstances; whether the car you want is new or used, the amount of your deposit, your credit history and the term of the finance. Typical 23.9% APR.

Q: What kinds of finance are available?
Depending on your circumstances and credit history we may suggest one of the following different types of finance:

Conditional Sale
Once you have found a car, the finance company buys it from the car dealer. You agree to buy it from the finance company at the same price plus interest over the agreed period, paying by monthly instalments. When you have paid all the instalments, but not before, the car becomes your property.

Hire Purchase
Similar to conditional sale. The finance company buys the car you select from the car dealer. You hire the car from the finance company for the agreed period paying the agreed monthly instalments. When you have paid all the instalments you can buy it from the finance company for a nominal sum and the car then becomes your property.