Quick Car Finance

Saving is wonderful, but let's be honest: it's not always practical. Sometimes life simply cannot wait for you to save all that money. You can get your car sooner and spread the cost over time with car finance. Car financing breaks down that big goal into smaller steps, allowing you to finally have that road trip or family car without having to wait forever.

Car finance is available if you are over the age of 18 and meet the basic eligibility requirements (think of it as a background check). Don't worry if you've had credit issues in the past. Lenders understand that life happens, and they are often willing to find solutions that work for you. Simply take the first step and let the rest fall into place.

Car financing is similar to building a relationship. You apply, share some financial information, and then reach an agreement that works for both of you. The lender reviews your information, and if all’s well, they agree to fund your car, and you make payments over time. It’s all about trust, and you’re in control every step of the way.

Yes! From Hire Purchase (HP) and Personal Contract Purchase (PCP) to personal loans, each has its advantages. HP allows you to own the car at the end of the deal, PCP offers lower monthly payments with an optional "balloon" payment if you want to keep the car, and personal loans provide full ownership from the start. It's about deciding what feels right for you.

Take a step back and think about your goals. Do you want to buy the car outright, or do you prefer to drive a new model every few years? Your answer will help you decide. Think of it as finding the right shoes—your ideal fit is out there, but it’s got to be comfortable.

A deposit is an upfront payment that shows your commitment. It's not typically required and most lenders offer no-deposit finance. A deposit can reduce your monthly payments, but if you’re stretched thin, there are options to suit your budget.

APR (Annual Percentage Rate) is the total cost of borrowing. A lower APR means lower interest, which keeps your costs down. It’s the difference between a pricey or an affordable monthly payment, so pay attention—it can save you in the long run.

Credit scores used to make or break a finance application, but don’t let this worry you. Many lenders nowadays understand that your score doesn’t tell your whole story. If yours isn’t perfect, don’t give up - there are options that cater to people with different credit backgrounds.

Yes, it's possible, but approval and interest rates may vary. Some lenders specialise in bad credit car finance, but the terms might not be as favourable.

A guarantor is someone who agrees to step in if you are unable to make payments. It's like having a co-pilot who keeps you on course. If you have low credit, a guarantor might boost your chances of approval, but only go this route if you’re certain you can handle the payments.

Most finance agreements will allow you to settle early and pay off your car sooner, potentially saving you interest. However, be sure to check your agreement for any early settlement fees.

Life can present unexpected challenges, including missing a payment. If this occurs, contact your lender right away to discuss your options. Most lenders will work with you to find a solution, whether it's a new payment schedule or temporary relief. Communication is essential.

Yes, but if you still owe money, the remaining balance will need to be cleared, either through your part-exchange or by paying it off. Your dealer or lender can help you work out the numbers if you’re eager for a new ride.

PCP agreements set a yearly mileage limit. Exceed it, and you’ll face charges. But if your travel changes, reach out to your lender—they may adjust the agreement to reflect your lifestyle. It’s all about flexibility and ensuring the journey is as smooth as possible.

When a PCP agreement ends, you have three choices: pay a final “balloon” payment to keep the car, hand it back, or trade it in for a new one.