No, you are not obliged to continue with the purchase after the seach is complete. You will receive confirmation of your application and will get a response the same day to let you know if your application for finance could be accepted and finalised. This will be based on the outcome of the financial search but the credit search will not affect your credit score and can decide how you wish to proceed.

Even if you have been refused car finance elsewhere, we may be able to help you get approved. The reasons why your finance application may have been refused in the past can be dependent on a variety of different factors and requirements of the lender. So it is possible for you to get approval should you meet the requirements of a different lender even if you have a bad credit history.

In the event of being made bankrupt or declaring bankruptcy, you can still apply for car finance but you'll need to wait until a year has passed. You can also still apply for car finance if you have or have had an IVA as it shows that you're now being responsible with your finances. The Individual Voluntary Arrangement (IVA) is an agreement you make with creditors so that you can repay your debt in a more manageable way. Because of this, some lenders may reject your application. However, it is still worth applying as we will work to get you the best chance of being accepted.

Yes - We accept benefits as a source of income and will be able to help you get accepted for car finance. One of the main things that you'll need to make a car finance application is a source of income. Lenders will need to see that you have the capability to keep up the repayments for the duration of the contract

There is no denying financial struggles like County Court Judgements (CCJ), arrears and defaults can make it harder to get future finance applications approved. It shows the lender that you were unable to maintain payments in the past.

However, our expert advisors will be able to help you; taking your situation into consideration and identifying if you meet other criteria that can improve your eligibility for car finance.