Car finance checker

Nobody knows whether they’ll be accepted for car finance, but certain factors contribute to acceptance, like a good credit score. However, having a bad credit score doesn’t mean you’ll be rejected. Use our soft credit search tool to discover whether you’ll be accepted.

How much you can borrow depends on your circumstances. It’s something the finance company decides, and it’s not solely dependent on one thing. When determining how much you can borrow, a finance company will look at many characteristics, such as how much you earn, what other bills you have, and your overall credit file, and make a decision based on that information. By submitting a soft finance check, you can determine how much each lender would allow you to borrow.

Anyone can use our car loan eligibility checker. We support young families, elderly citizens, young drivers, part-time workers and people with limited or bad credit history. We also help businesses and individuals, so you can use the checker if you need business car finance. You can’t use the eligibility checker if you’re under 18.

Soft credit checks aren’t available for companies to see, so they don’t affect your score. Hard credit checks are there for all companies to see, so they do affect your score. When you apply for car finance, you should go through a soft credit check first, but be wary because some companies don’t offer them.

As well as your credit checks, lenders will check employment history, address history, proof of income, driver’s license and proof of identity.

If you decide to go ahead with a full application, you’ll be subject to a hard credit check, which could affect your credit score.

We aim to let you know if you’ve been accepted within 24 hours, although it’s usually faster than that. If you submit your application outside of office hours or at the weekend, it can take a little longer, but we always try to let you know the next working day.

After you’ve been accepted, you’ll be sent a unique link to our online vehicle portal. That’s where you can log-in and browse the vehicles which suit your finance acceptance and deals that are personalised to your circumstances. You’ll also receive a call from your account manager who’ll go through the next steps with you and answer any questions you have.

If we approve you, you must buy your car with us. We have thousands of vehicles from various manufacturers, as well as specialist vehicles and vans. And if you can’t find the make or model you want, we’ll source it for you! We’ll get you behind the wheel of your dream car.