What criteria do I have to meet to apply for car finance?

All of our different partner lenders have different criteria, but in most cases, some or all of the following criteria has a bearing on your ability to apply for vehicle finance:

To apply for car finance, you must be at least 18 years of age and have lived in the UK for more than three years. The three years of having an address history in the UK is required by our partner lenders to gauge the risk of lending to you. This is standard practice no matter what kind of finance you apply for.

Your employment status and your income also have a bearing on your eligibility. Depending on your employment status and what kind of regular income you have, we can help you with your finance needs if you fit into one of the following categories:

  • Student
  • Retired
  • Self-employed
  • Full-time employment
  • Part-time
  • Agency worker
  • Taxi driver
  • Other professional driver

Legally we are unable to guarantee the success of any application for vehicle financing, however, we have options that suit all sorts of financial circumstances. This means that even if you have a low income, we may very well still be able to assist you in finding a simple, affordable loan agreement.

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