Vehicle finance is a method of purchasing a vehicle through a borrowing or leasing arrangement. This method allows the buyer to spread the cost of the vehicle, over a period of time, instead of paying the full price upfront.

Vehicle finance works by allowing individuals to borrow money from a lender, to purchase a vehicle. The buyer repays the loan amount, plus interest, over an agreed-upon period. The terms, interest rates, and repayment schedules may vary depending on the type of vehicle and the lender's policies.

The amount you can borrow for a car depends on factors like your income, credit history, and the lender's policies. Our friendly, expert staff can use special calculators to assess your overall lending profile, to determine your borrowing capacity.

Yes, almost all vehicles types can be purchased through vehicle financing. Whether you are thinking of purchasing a new vehicle, second-hand from a dealership, or buying privately, vehicle finance options are available. Fb Marketplace and Car Sales are very common place to buy cars privately; we have helped hundreds of people purchase through this type of platform.

Factors determining eligibility for vehicle finance include credit score, income, employment status, current debts, deposit size, loan term, vehicle value and residency status. Additional factors may impact borrowing eligibility and loan limits, varying based on the lender's policies and criteria.

No, not in most cases. Many lenders offer no-deposit, or low-deposit options. Depending on the circumstance, a cash deposit may or may not be required. This is where our friendly staff can greatly assist. We can guide you through the car loan options available to you, and what each lender lists as their lending criteria.

Interest rates affect how much you can borrow, by influencing the monthly repayments and total cost of the loan. Higher interest rates typically result in higher monthly payments, which may reduce the amount you can borrow. Lower interest rates can allow you to borrow more, whilst keeping monthly payments manageable.

Yes, it is possible to get vehicle finance with bad credit, although it may come with a higher interest rate. Some lenders specialise in offering vehicle finance to individuals with less-than-perfect credit histories. However, borrowers with bad credit may need to provide a larger cash deposit. Some lenders will allow for defaults listed on your credit file, providing payment arrangements are in place, with good repayment history.

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