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Can I buy any car I choose?
Yes, Once approved we will help you choose a vehicle.
Will my details be kept confidential?
Yes, absolutely. Your car loan application is treated in the strictest confidence. We will not contact your employers, bank or any other third party without your prior permission. Your details will not be passed on to any other company ororganization.
I've been turned down elsewhere, is it still worth applying for a car loan?
Yes, we accept over 85% of customers who have been turned down by other lenders every month. We have a panel of specialist lenders for people with an impaired credit history and we also provide excellent advice on how to rebuild your credit profile.
How long does it take to reach a decision on my car loan application?
We can normally establish a decision within an hour or within the same working day if you apply before 12pm. We generally provide credit limits subject to income
What interest rate will I pay?
This will be dependant upon your personal circumstances - every car loan application is credit checked and will be placed with the relevant lender. Flat rates start from 7.99% and will not exceed 29.9%.
How much can I borrow?
This will obviously depend upon your credit history, your income and the amount of cash deposit.
Is it safe to apply for a car loan online and will the personal details I provide be secure?
It is extremely safe to apply online as our web site employs the latest 128 bit encryption technology, therefore your details cannot be viewed by any unauthorised third party.
Can I have a fixed rate car loan?
Yes, the interest rate on your car loan is fixed for the term
How long will the car loan take to arrange?
Generally 1-3 working days - the documents have to be signed and returned to us. It will then take up to 3 working days for the money to be cleared funds in the dealerships bank account.
Do you provide car loans for people who are self employed?
Yes, we can arrange car loans especially for the self-employed and those starting in business with no trading accounts.
Are there any stipulations on the vehicle criteria?
Yes, the car you are buying can be no more than 10 years old. We can not lend more than the car is worth. The vehicle must be lean free and not exceed 175,000 KMS although some cases will be over looked. Please note that the older the car and higher milage the shorter the term of the loan which increases your car payment.