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How do I apply?

Application for car finance has never been easier. Just complete our online form or give us a call if you don’t prefer doing it online, and you will hear back from us immediately.

Am I eligible?

You need to be over 18 years of age and have lived in the UK for at least 3 years in order to qualify for car finance.

What are the requirements?

Typically, you will be asked to produce a copy of your pay slip and driver’s license, although some lenders might require your bank statements or utility bills.

How long does it take for you to process my application?

In most cases, you will receive a decision within minutes to a few hours of application if you inquire during our office hours. 

What if I have been refused car financing before?

It doesn’t matter if you’ve been refused financing numerous times before. We have helped thousands of people secure the financing deals that they need, and we particularly specialize in helping people with poor credit get the car they want, and that is why we exist.

Do you perform credit checks?

Yes, we will still perform credit checks in order to assess your particular circumstances and credit profile and match you with an appropriate lender.

Should I discuss my monthly earnings and outgoings?

We would like to assess your monthly income and outgoings just to help you plan a repayment schedule that you can afford, and we will never use these information for purposes other than that.

What if I am bankrupt?

We can help most people suffering from different kinds of credit situations, including those under debt management plans. Unfortunately, we can’t help you if you are currently bankrupt. However, you may be able to secure a finance if you got released from bankruptcy for at least 12 months.

What if I am self-employed?

Even if you are self-employed, we can help find a deal for you, although the lender might require your bank statements as proof that you can repay them.

Do I have to make a deposit?

You are not obliged to produce a deposit although there are some lenders that might require you to do so depending on the situation. Still, most o0f our lenders will be happy to help you without requiring deposit.

However, it pays to know that there might be benefits of putting down a deposit, and you are free to provide it even if you are not required to do so.

How much will the repayments cost?

Your monthly payments will depend on the duration of the term and how much you can afford. We will make sure to help you with your repayment plans so that you won’t struggle with your finances.

Can I only qualify for used cars?

With our huge database of car lenders, you can choose from among the vast selection of new and used cars. Because we have many options available, it is very unlikely that you won’t be able to find the car that you’re looking for.

How can I get my car?

You can arrange to have your car delivered or you can pick it up and drive it home yourself.

© 2013 Top Car Finance