Help and Advice

Frequently asked questions and answers

I have never applied for car finance before - is it difficult?

It's really simple, just fill out the finance application form, once that's complete normally within in a few hours we will have an answer.

Is there a lot of paperwork to complete?

Once your finance application has been approved along with your choice of car, we will ask you to upload your proof of ID and maybe income verification and sign the paperwork.

We have access to over 12 lenders who now provide remote electronic e-sign when applying for finance, this means there is no hassle of paperwork and you can sign from the comfort of your own home or even at work.

Will I have to wait long to pick up my car?

Once your car finance is approved, we just need paperwork to be completed and returned, then you are ready to drive away.

Can I get car finance with NO DEPOSIT?

At car finance 4 you we offer ZERO DEPOSIT to all our customers.
If you do have some funds available to use as a deposit, this will help reduce your monthly repayments.

How much could I finance?

The amount you can finance will be decided during the application process.

Can I get car finance without a driving license?

Most of our lenders do require a full driving licence, however we do have options for people with provisional driving licenses and even no license at all.

My last finance application was refused - is it worth applying again?

We specialise in helping people with good and poor credit or even if you are self employed, we work with over 32 different lenders who will assess your suitability based upon affordability.

Do you charge any fees?

Our service is completely FREE!

How are monthly payments made?

All monthly payments are repaid by Direct Debit .

Can I apply if i have existing car finance?

That is likely to be great news if you are looking for additional car finance to buy a new or used car.

Provided your repayments are all up to date on the existing finance, it means you are probably one step ahead of the game when it comes to arranging further credit. Successfully and responsibly managing the finance you already have helps to build up your credit score and demonstrates that you know how to budget for monthly repayments.

Of course a new credit check is still required, but if this comes back in a positive light there is every possibility of your success in obtaining the new finance you requested.

On the other hand, if you have fallen behind in the repayments on your existing finance, this is likely to have adversely affected your credit score.

Because of that, it may be more difficult – but not necessarily impossible – for us to secure the new finance you need. You may have to pay a somewhat higher rate of interest, and are almost certainly going to have to provide evidence of your current earnings from steady employment or self-employment if you are running your own business.

Wish to apply?

Applying for finance only takes a couple of minutes