We have options for most of our cars with no deposit, however in some cases the lender might set a credit limit lower than the vehicles retail price so a small deposit or part exchange maybe required.

You must be at least 18 and have lived in the UK for three years or more. Despite being able to drive from the age of 17, the law states that you’re not able to sign a credit agreement until the age of 18. Meanwhile, the three year address history is required by lenders to gauge the risk of lending to you and is standard practice no matter what kind of finance you apply for.

We’re often able to help customers that have been refused elsewhere.

If you’ve applied somewhere else (such as a bank, car dealership or even another car finance broker) and have not been successful, you might start to think that nobody can help. However, that doesn’t have to be the case. Some of the lenders we work with actually specialise in helping people with bad credit to get car finance, so we’ll try our best to find the right finance option for you.

When we search for car finance options for you, we’ll perform a credit check on your profile. This is so we can match you with the most appropriate lender and the best option available from the finance products we have access to. This type of check is often referred to as a ‘soft search’. We’re essentially completing a background check on your financial history and current situation, this search can only be seen by you if you access your report and it will not affect your credit score or ability to gain credit in any way.

We’ll then contact the lender we think can offer the best finance option for your circumstances. They may choose to perform a full credit search, which will be noted on your credit history and can affect your credit profile. You will be informed before a hard search is carried out.

To find out if your credit score is in good health or for helpful advice on how to improve it, you can obtain a copy of your credit report easily, online.