Car Finance
Learn everything you need to know about financing your next car—from loan types to repayment terms. Discover smart tips to make informed decisions.
Frequently Asked
Questions
Our open and honest approach means that your account manager will offer you the best pre-approval rate we manage to obtain for you from the outset. We will not offer your application to the highest bidder and always have your best interests at heart throughout our process.
You can purchase a car from any dealer we class as ‘reputable’. We will conduct any necessary checks on the dealer to make sure they are up to our standards giving you confidence in the vehicle you’re purchasing.
Making an initial enquiry will not leave a hard check on you credit profile. The lender(s) we submit your application to will conduct a ‘soft search’ in order to pre-approve your application. These searches will show on your credit profile but are only visible to you. A ‘hard search’ will only be carried out should you wish to proceed with any quotation provided to show the live credit agreement you have taken out.
All of the lenders we work with offer finance options that require no deposit. Deposits may sometimes be requested. If they are, your account manager will let you and explain the reasons why. Should a deposit not be an option we can always look at other car options.
We are currently able to offer Hire Purchase agreements, most known as HP. Hire Purchase is a loan attached to the vehicle, designed so that you own 100% of your vehicle at the end of your contracted payments (usually subject to a small option to purchase fee). The balance of the loan is paid over the pre-agreed contract length, the most common term for such loans is between 48 & 60 months. We also have other products available such as conditional sale, lease purchase and personal contract purchase. Your dedicated Account Manager will go through all options available to you. (Subject to status)
We work with a panel of lenders who could offer finance for all credit ratings no matter if your credit is bad! Some of which specialise in securing finance for bad credit. These loans can also work as a great way to boost your credit worthiness for when you next apply for finance. Click ‘Get a quote’ and let us work to secure the best finance offer for you.
Of course, once we have found the vehicle you wish to proceed with, we will negotiate a figure for you part-exchange with the dealer you are purchasing your new car from. You can then simply drop your old car off and drive away in your new one.
If your application is straight forward and you have already seen a car you wish to purchase, then you could collect your vehicle the same day (depending on the lender). If you are in a hurry to get in your new car, please let your account manager know and we will do our best to ‘FastTrack’ your application.
Not answered your question? Get in touch on 0161 410 3365!
Ready to finance the car you want?
It takes less than a minute to apply
