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Can I get an instant decision on whether I can get car finance?

Yes, within a few seconds you can find out whether you can get car finance. After carrying out a simple application search, we’ll have a better idea as to what credit you may be entitled to, without performing a full credit search.

Simply enter the following into our form:

  • Name
  • Date of birth
  • Email
  • Phone number
  • Address

You’ll receive an immediate response, outlining whether we can source credit for you and what sort of rate you may be able to get.

What happens next?

Once you’ve received the go-ahead from the initial search and you decide to apply for finance, you’ll need to fill out a full application proposal on our website.

We work with a range of finance partners, who help us find a credit agreement for you, so you can find a rate that could suit your circumstances. After you’ve submitted an application, you’ll be referred to who we believe is the most suitable lender. They’ll perform a full credit search and decide whether you’ve been approved, and on what terms.

Please be aware this step will leave a record on your credit file.

How does a lender make a decision and how long does it take?

When making their decision, a lender may look at things like your credit profile, using an agency like Equifax or Experian, to assess your current and previous credit agreements and your repayment history. They may also analyse your income and outgoings and use their own systems to make a final decision as to whether you can afford to take out car finance.

In some cases, you could receive a response within 20 minutes, though depending on the lender it can take a little bit longer. Either way, our finance team will work to keep you updated. If the lender does not accept the application, we can help you try to find one who will.

If you want to know more about the car finance process, you can read through our guides to find out more about car finance.