We’ve tried to keep our instant decision car finance website as simple as possible to use but there’s always a few things that aren’t immediately clear!
Take a read through our Frequently Asked Questions and if you’ve still got some questions, we’d welcome you to contact us on the form below, email us on firstname.lastname@example.org or call us on 01246 458 810.
As long as you live in the UK, you are over 18 years old and are in employment you can apply for car credit with us. Complete the online application form for an instant decision.
We will send you an immediate response which will give you an expected APR based on your credit profile. Our APR’s start at 6.9% for a strong credit profile and rise in line with your credit status.
Yes, as long as it is from a reputable UK motor dealer. We can help you find a car from one of our approved dealers. These are dealers that have been vetted by our company by use of financial checks and relevant trading licences.
No problem, we have helped thousands of applicants with previous credit issues. Complete the online application form and an advisor will contact you to discuss your options.
Our finance rates start at 6.9% APR. If you have a strong credit profile, you are a home owner and are over 25 years old you will qualify for this rate. Our offer will be based on the strength of your credit profile and will always be very competitive.
We will assess your credit profile against the criteria of over 22 top UK banks and loan providers. We will send your application to the most suitable lender to gain you the best possible rate.
No problem, it is very common for car buyers to source their loan terms before committing to buying a car. Once you have chosen your car you can amend your loan amount to fit. You can also amend the length of your loan as long as it does not exceed 5 years.
Your loan will not become active until the dealer has been paid for the car. If your loan has been accepted and you have not collected your car, you can change the loan amount or cancel at any time.
Yes, we will accept join applications but would always expect the loan to be in the name of the registered keeper of the car.
Yes, you can pay off your loan at any time. You will receive a rebate of interest of you pay of the loan early. You can also make over payments with most of our lenders to help shorten the length of your loan.
We will not send your data to any third parties other than the lender that has been selected to approve your loan. Our lenders are not permitted to use your data for any other purpose than to process your application for credit.
Most of our applications are given an instant decision. This usually arrives by email within 3 minutes. Sometimes it takes longer for us to get you the best possible rate but we will always contact you within a few hours of your application.
Once your loan has been accepted you can collect your car the following day.
We have a partnership with a car buying service which we highly recommend www.mikebrewerbuysyourcar.com
Each lender has their policies on what will be required to prove your identity. As a minimum you will be expected to produce your driving licence.
We can provide credit for all ages of car as long as the loan is higher than £1,500.