Car finance for every credit profile
New or used, dealer or private sale. Obtain pre-approval before you shop, and let our brokers find the lender that best fits your situation.
What we can finance
Pre-approval before you shop
Pre-approval shows you what you may be able to borrow before you fall for a car. Set a realistic budget, negotiate like a cash buyer and move quickly when the right one appears. It is conditional: final approval depends on the car, your documents and the lender’s assessment.
Private sales, inspected for you
We carry out a digital inspection of every private-sale vehicle for our clients, at our own expense, including checking its registration.
Past credit problems
We regularly arrange car finance for clients with defaults, whether paid or unpaid, and for those in a bankruptcy or debt agreement. Approval is subject to lender criteria, and rates for higher-risk profiles are usually higher.
A broker, not a single lender
We are not tied to one rate sheet or one set of rules. We compare a panel of lenders and match your situation to the one most likely to approve it at a competitive rate.
Your credit history won’t close the door.
Spotless, patchy or still rebuilding: we match you with a lender whose criteria suit your situation.
Check your optionsApproval is subject to lender criteria. Rates reflect your profile.
Car finance: common questions
Can I get pre-approved before I find a car?
Yes. Pre-approval is conditional and subject to lender approval, but it gives you a clear budget before you start shopping.
Do you finance private sales?
Yes. Many lenders on our panel finance private purchases as well as dealer purchases. We carry out a digital inspection of every private-sale vehicle for our clients, at our own expense, including checking its registration.
Can I get a car loan with defaults or bankruptcy?
Yes, we regularly arrange finance for clients with defaults, whether paid or unpaid, and for people in a bankruptcy or debt agreement. Rates are usually higher for these profiles, and approval is always subject to lender criteria.
Do I need a deposit?
No deposit is required to apply. Deposit requirements vary by lender, and we will tell you upfront if one applies to you.
How fast can I get the money?
Many clients settle within 24 to 48 hours of applying when documents are ready and the lender’s conditions are met.
Ready to find out what you can borrow?
Apply online in a few minutes and a finance specialist will call you.