FAQ
What car finance options do you offer?
We offer several finance options including Personal Contract Purchase (PCP), Hire Purchase (HP), and Personal Leasing. Each option suits different needs, whether you're looking to own the car outright or simply drive it for a set period.
Can I get car finance with bad credit?
Yes, we work with a range of lenders who consider applications from people with poor or limited credit history. Approval isn't guaranteed, but we'll do our best to find a solution that works for you.
How do I apply for car finance?
You can apply online, in-person, or over the phone. Just provide some basic information like your employment status, income, and address history. We'll handle the rest and get back to you quickly. Or complete this form.
Can I part-exchange my current vehicle when financing a new one?
Yes, we accept part exchanges. The value of your current car can be used as a deposit or to reduce your monthly payments.
What's the difference between PCP, HP, and lease agreements?
- PCP (Personal Contract Purchase): Lower monthly payments with a balloon payment at the end if you want to own the car.
- HP (Hire Purchase): Pay in instalments and own the car outright at the end.
- Lease: You rent the car for a set time and return it at the end of the agreement.
Is there a mileage limit with finance deals?
Only on PCP and lease agreements. Mileage limits help determine the car's future value. Exceeding the limit may result in additional charges.
Will applying for car finance affect my credit score?
We perform a soft credit check during your initial application, which won't affect your score. A hard check is only done once you proceed with a full finance application.