The Help & Support section is your direct line to clarity, guidance, and responsible lending. Whether you’re just browsing or already approved, our tools, articles, and FAQs are designed to support informed, fair, and transparent decisions — in line with the FCA’s Consumer Duty expectations (PS25/3).
Everything you need, in one place.
Start here to explore support options, complaint procedures, account management guidance, data rights, and help with missed payments or affordability concerns.
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Quick answers to your most common questions.
From deposit rules and credit checks to insurance and settlement terms — our FAQs give you the facts in plain English.
Yes. As long as the dealer is FCA-registered or passes our vetting checks, we can help.
Not necessarily. We work with lenders offering £0 deposit used car finance.
We typically require the vehicle to be from a business seller. Use Autoloom to browse eligible stock.
That’s our speciality — apply for Bad Credit Car Finance to see your options.
No broker fees. Ever. We’re paid by the lender if you go ahead.
Yes. We work with specialist lenders who assess income, not just score.
Absolutely. We offer ULEZ-compliant electric van finance with lower running costs.
Yes, and also to sole traders and partnerships. We’ll advise on the best route.
Yes. You can use it toward your deposit with our Part Exchange Tool.
Only with PCP. HP agreements typically have no mileage cap.
Yes — subject to inspection and proof of roadworthiness.
Absolutely — we specialise in affordability-based decisions, not just credit scores.
Some lenders do — especially if UK registered and insured.
Yes, we offer refinancing options to reduce your monthly cost or extend your term.
Yes, including for vanlife content creators or rental fleets (subject to criteria).
Yes, as long as it’s with a trusted importer and DVLA/NOVA paperwork is in progress.
Yes — we work with non-prime lenders who specialise in import and bad credit car finance.
Yes, if the vehicle meets local authority requirements and lender use-case approval.
Some lenders offer £0 deposit finance even for JDM stock, depending on your profile.
Sometimes. We can connect you to specialist import insurance providers if needed.
Yes. Our lender panel includes non-prime specialists for EV finance.
New or used electric vehicles, including hybrid and plug-in hybrids (see Hybrid Finance).
Monthly costs can be similar to petrol cars — but running costs are lower. Plus, no road tax or ULEZ.
Yes. PCP is a popular option for electric cars due to high residual values and flexible end-of-term choices.
Yes. We help both private and business buyers finance electric vans and commercial EVs.
Yes – as long as it meets roadworthiness or site-ready checks.
Some lenders do – ask about site requirements and licenses.
Yes – our lender panel includes CCJ, IVA, and bad credit specialists.
Yes – subject to approval, we’ll verify the caravan condition and ownership.
Yes – we may be able to lower your payments or extend your term.
Yes — if DVLA-classified as a motor caravan and has a V5C logbook.
Yes — subject to inspection and documentation. We’ll guide the process.
Yes — our panel includes lenders specialising in bad credit camper van finance.
Yes — potentially lowering your payments or unlocking vehicle equity.
Most lenders allow occasional travel or weekend leisure. Full-time van life may be excluded.
Yes, some lenders allow LTD company-only underwriting depending on credit score and trading history.
Yes. We help many self-employed applicants secure vehicles in their personal or trading name.
3–6 months of business bank statements, proof of identity, company incorporation or UTR (depending on structure).
Yes — and they may qualify for lower Benefit-in-Kind (BIK) tax. We support hybrid and EV fleets.
Yes. If affordability checks out, we can structure a fleet-style package with one or multiple lenders.
Yes — bank statements can often be used instead of payslips.
Absolutely — we work with lenders used to assessing variable earnings.
We support customers with all credit backgrounds, including CCJs, defaults, and IVAs.
Yes — subject to affordability and lender approval.
Yes — including NHS bank staff, part-time, or zero-hour workers.
Yes — several lenders support non-permanent staff with proof of regular income.
Yes — subject to your affordability, £0 deposit plans are available.
We work with dealer partners who may offer healthcare staff discounts or packages.
Reliable and fuel-efficient models like the Hyundai Kona, Toyota Yaris Hybrid, Kia Ceed, Ford Puma, and Vauxhall Mokka are popular.
Most lenders consider a score between 700–799 as 'good'.
Yes — our panel supports both options.
Not always. Zero-deposit finance may be available subject to affordability.
Yes — with PCP, you can upgrade after your minimum term.
Yes — good credit typically unlocks lower rates.
Yes. We accept app screenshots, payout summaries, and bank feeds.
Not always. We fund both PHV and non-commercial vehicles — but PHV drivers may benefit from fleet-aligned lenders.
Yes — some lenders approve from 3 months of consistent income.
Absolutely — we fund Toyota Prius, MG5 EV, Tesla Model 3, and more.
Yes, as long as you have a valid UK address and can provide the required ID and affordability documents.
Absolutely. Spouses/partners can apply jointly or in sole name depending on income and credit profile.
Many military applicants fall into the 'thin file' category. We work with non-prime lenders who understand this.
Yes — selected partners offer reduced APRs, admin fee waivers or bundled extras for qualifying applicants.
Yes, but you may need a guarantor or joint application. Many lenders accept apprentices over 18 with proof of income.
Possibly — especially if you’re under 21 or have no credit history. We’ll match you with lenders based on your profile.
Some lenders offer £0 deposit options — subject to credit and affordability checks.
Typically: proof of ID, bank statements, payslips or training contract, and possibly a guarantor’s details.
Yes — we work with lenders who accept these circumstances.
No. Our soft credit checks have no impact.
Basic income proof, affordability assessment, and ID. No perfect credit needed.
Yes. We look at all income sources.
Many of our bad-credit lenders offer £0 deposit deals.
Yes — especially if you’ve been discharged for 12+ months. We work with non-prime lenders who assess affordability first.
Possibly, but you’ll need approval from your Official Receiver, and some lenders won’t fund until you’re discharged.
Usually, yes — but it’s still fixed and structured based on your income. Many customers refinance later at better rates.
Not always — we’ll first try with non-guarantor options. If your affordability is borderline, a guarantor may help secure better terms.
No. Everything is private and regulated under FCA data confidentiality rules.
Yes — many of our lenders accept applicants with flexible or agency-based employment.
Yes — subject to approval, we have zero-deposit finance plans available for care staff.
We work with specialist lenders who consider all credit types, including CCJs, defaults, and past IVAs.
Yes — many lenders support both dealer and private purchases.
Yes. Many of our lenders accept applicants with active or satisfied CCJs.
Not necessarily. Each lender has their own policy — some may approve even if the CCJ is outstanding.
It may be, but lenders price based on current affordability, not just credit score.
Yes. Making timely repayments can help rebuild your credit history over time.
Rarely — most of our lenders approve CCJ customers without a guarantor.
Yes — we accept weekly paid workers. Lenders will typically review your bank statements or income average.
Not always. If you’re CIS or self-employed, most lenders will accept your UTR number and recent bank statements.
Yes — we offer both car and van finance for tradespeople, depending on your needs and work setup.
We have lenders who specialise in bad credit, so there are options even with past financial issues.
No — lenders will assess your contract income and affordability.
Not always — self-billed or limited company invoices may also work.
Yes — especially if you have a strong contract history or repeat renewals.
Not necessarily — terms are based on income stability, not your job label.
Yes — as long as the dealer is FCA-registered, we’ll handle it.
No — we handle documents, e-signatures, and payment release for you.
Often yes. We compare across multiple lenders to beat single-dealer rates.
Yes — we have lenders who work with non-prime applications and CCJs.
You're free to accept or decline. We'll make sure you understand what’s optional.
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When you miss payments for an extended period, the creditor can issue a default — typically after 3–6 months of non-payment.
Yes — many of our lenders are happy to fund customers with defaults on file, especially if they’re satisfied or old.
In most cases, no. We’ll explore options based on your income and credit profile first.
Rates vary based on your full credit and affordability profile. Some of our lenders offer competitive APRs even to non-prime customers.
Yes — if you choose a Hire Purchase agreement, you’ll own the vehicle once all payments (including any option-to-purchase fee) are made.
Yes — we work with lenders who accept income from delivery, courier, and gig economy work.
No — part-time, self-employed, and multi-app drivers are all considered.
Typically, bank statements showing regular income, proof of ID, and your driving licence.
Yes — we have lenders who specialise in non-prime and gig economy applicants.
Yes — as long as the vehicle meets platform requirements and is properly insured.
Yes — excellent credit usually unlocks the best rates and terms from our lender panel.
Not always. Many lenders offer £0 deposit deals for excellent credit applicants.
Most agreements allow early settlement, often with reduced interest — check your lender’s terms.
Yes — excellent credit typically qualifies for the lowest available APRs.
Yes — we work with lenders who consider all income sources, including benefits and part-time work.
Not always. Self-employed, part-time, and benefit recipients are all considered.
Bank statements, proof of benefits/income, and ID are usually needed.
Yes — we support police officers, PCSOs, and staff with tailored car finance options.
Some lenders and dealers offer exclusive rates or perks for police staff — ask for details.
Yes — lenders will consider your full income, including overtime and shift pay.
Yes — all standard finance products (PCP, HP, etc.) are available to police staff.
PCP (Personal Contract Purchase) is a flexible finance option with lower monthly payments and a final balloon payment if you want to own the car at the end.
Yes — you can usually settle early by paying the remaining balance and any fees.
You can either pay the balloon payment to own the car, hand it back, or part-exchange for a new one.
Yes — PCP is available for both new and used vehicles, subject to age and mileage limits.
Yes — as long as the vehicle is roadworthy and approved by the lender.
No. Sharia-compliant agreements are structured to avoid interest completely.
Some agreements may require a small upfront payment. Others offer 0 deposit options.
Start with our standard application and tick the option for faith-based lending. One of our team will guide you from there.
Yes — all Islamic finance partners on our panel are fully regulated and audited.
Not always. Some of our lenders offer no-deposit HP options.
Yes — we have lenders that offer HP to non-prime customers based on affordability.
Yes, early settlement is possible. We’ll provide a settlement figure at any point.
You can use HP to finance used, nearly-new, or approved vehicles.
With HP, you own the car at the end. With PCP, you pay a final balloon if you want to keep it.
Our approval process is typically very quick. In most cases, you can receive a decision within minutes of submitting your application. Once approved, we'll work with you to finalize the details and get you on the road as soon as possible.
Yes — bank statements can often be used instead of payslips.
Absolutely — we work with lenders used to assessing variable earnings.
We support customers with all credit backgrounds, including CCJs, defaults, and IVAs.
Yes — subject to affordability and lender approval.
Yes — subject to your affordability, £0 deposit plans are available.
We work with dealer partners who may offer healthcare staff discounts or packages.
Reliable and fuel-efficient models like the Hyundai Kona, Toyota Yaris Hybrid, Kia Ceed, Ford Puma, and Vauxhall Mokka are popular.
Most lenders consider a score between 700–799 as 'good'.
Yes — our panel supports both options.
Not always. Zero-deposit finance may be available subject to affordability.
Yes — with PCP, you can upgrade after your minimum term.
Yes — good credit typically unlocks lower rates.
Most lenders prefer at least 3 months’ employment, but some accept new starters with proof of offer.
Yes, as long as you can prove your new income and contract start date.
Not always. Many lenders offer zero deposit finance for full-time workers with stable income.
We support prime, near-prime, and subprime applicants. Your income and affordability carry more weight than your score.
Yes — we work with lenders who assess your affordability, not just your score.
No — but we have one of the highest acceptance rates for non-prime finance.
Yes — several lenders offer £0 deposit options for bad credit.
Yes — making your payments on time can improve your score over time.
Yes — some lenders support IVA applicants with permission from their practitioner.
Typically 600–699 (Experian/Equifax equivalents).
No. Our lenders use soft search technology.
Not usually — but we’ll tell you if that helps your rate.
Yes — we support part-exchange as part of your finance offer.
Yes — if you’ve been stable for 6–12 months, lenders may still offer a deal.
Yes — especially if you’ve been discharged for 12+ months. We work with non-prime lenders who assess affordability first.
Possibly, but you’ll need approval from your Official Receiver, and some lenders won’t fund until you’re discharged.
No — NHS bank and part-time staff can still qualify with consistent income proof.
Yes — we have multiple lenders offering £0 deposit deals.
Negative equity means you owe more on your car finance than the car is currently worth. We can help you refinance or upgrade even in this situation.
No. It just means you haven’t borrowed before — we work with lenders who understand this.
Not always. Some lenders may ask depending on affordability or employment type.
No. If approved, the entire cost is financed — deposit optional.
Subprime involves higher risk and more missed payments. Near prime customers often have stable finances with minor or older blemishes.
Possibly. But if you need a car now, our lenders offer deals that can still help you build credit over time — responsibly.
Yes — some lenders accept irregular hours, provided income is stable.
Lenders may assess your contract history and renewal likelihood.
Yes — many lenders accept contracts aligned with the school year, especially with a fixed annual salary.
Yes — our lenders welcome applications from newly qualified teachers with proof of employment.
Yes — subject to status, you can finance a car without an upfront payment.
Yes. We specialise in helping people with CCJs, defaults, or missed payments get back on the road.
Subprime includes a wide range of customers — including fair or near-prime credit — who don’t qualify for top-tier rates.
Yes — our lenders work with many drivers doing over 25,000 miles/year.
Yes — especially if you’ve been earning consistently from your gig work or contracts.
Yes — our panel includes lenders who specialise in non-prime customers.
Not necessarily — most applicants are assessed individually on affordability.
Yes — subject to status, we have lenders who offer zero deposit car finance to poor credit applicants.
Prime customers have higher credit scores, fewer missed payments, and lower debt-to-income ratios — allowing access to better terms and rates.
Yes — most of our prime-approved lenders offer zero deposit car finance, subject to affordability checks.
No — we accept a wide range of credit profiles.
No — £0 deposit deals are available.
Yes — we assess affordability based on all income sources.
Yes — trade-ins are welcome and can lower your payments.
Yes — we work with lenders who specialise in CCJ, default, and IVA customers.
No — we offer many £0 deposit finance plans.
Yes — we welcome self-employed, freelancers, and gig economy workers.
Yes — as long as they are FCA registered.
Not necessarily — many of our lenders support £0 upfront.
Yes — we welcome a wide range of income types.
Yes — part exchange is available.
No — our soft checks won’t affect your file.
Yes — our lender panel supports a wide range of income and credit types.
Yes — choose a vehicle from our network or submit a dealer quote.
Everything from city cars and family SUVs to EVs and hybrids.
No — your entire journey is digital and fully FCA compliant.
Yes — our panel includes lenders that specialise in bad credit cases.
Yes — many of our lenders offer £0 deposit car loans.
Yes — use our online valuation tool and apply the value toward your deposit.
Yes — including Chester, Crewe, Warrington, and rural Cheshire locations.
Yes — our lenders consider defaults, CCJs, IVAs, and more.
Absolutely — we work with any FCA-registered dealer.
Yes — our lenders support all employment types.
Yes — several of our lenders offer £0 deposit car finance.
Yes — our lenders support applicants with defaults, CCJs, or non-traditional income.
Perfect — apply and send us the vehicle details. We’ll handle the finance.
Yes — we’ll provide a part exchange valuation and apply it to your deal.
Approvals typically take less than 1 business day.
Yes — from Poole to Weymouth, we cover all BH and DT postcode areas.
Yes — we accept various income types, and lenders support non-prime customers.
Yes — as long as they’re FCA registered, we can arrange the finance.
We accept part exchange and can apply its value to your finance deal.
Yes — many lenders on our panel specialise in bad credit car finance.
Yes — you can choose any FCA-registered dealership in the region.
No problem — we’ll help you through our Find Me A Car service.
Yes — all main types of car finance are available based on your needs.
Yes — we work with lenders that specialise in bad credit.
Yes — many of our offers allow £0 upfront.
Yes — use our valuation tool and apply the amount toward your new deal.
Yes — our platform includes EV and hybrid listings.
Yes — many approvals are completed within 24 hours.
We work with lenders who support PHV, Uber, delivery drivers, and more.
Yes — we support regional dealers or cars you’ve found yourself.
No — applications, e-signatures, and payouts are handled digitally.
Yes — we support non-prime applications, including CCJs, defaults, and IVAs.
Absolutely — our lender panel includes options tailored to self-employed drivers.
No. Everything can be done digitally. Vehicle delivery is also available.
Yes — we support all boroughs and surrounding zones.
Yes — our lender panel supports CCJs, defaults, IVAs, and poor credit scores.
Yes — £0 deposit plans are widely available.
We support used cars, EVs, hybrids, and vehicles from FCA-registered dealers.
Yes — we accept part exchange and apply its value to your finance deal.
Yes — many of our lenders offer £0 upfront options.
Yes — use our application form and let us do the paperwork.
We aim to provide finance decisions in as little as 1 business day.
No — we support customers with defaults, low scores, or non-traditional income.
Yes — we specialise in bad credit and non-prime finance.
No — we offer finance with £0 deposit if you’re eligible.
Yes — we support applicants with limited credit history based on income.
Yes — you can choose any UK-based, FCA-approved dealership.
Yes — we support mainland Scotland and most island postcodes.
Absolutely. We compare your dealer offer with our lender rates and handle the paperwork.
Yes — English language is default, but multilingual support is available on request.
Yes. Our part exchange tool is open to Scottish customers.
Yes — we support CCJs, defaults, IVAs and low scores.
No — many of our plans offer no deposit car finance.
Nearly-new, used, electric, hybrid, PHV and commercial.
Yes — as long as they are FCA-approved.
Not necessarily — £0 deposit options are widely available.
Yes — we work with lenders who specialise in non-prime credit.
Usually proof of income, ID, and address. Our team will guide you.
Yes — we can work with any UK-based FCA dealership or stock.
Yes — our panel includes lenders that support CCJs, defaults, and thin credit files.
Yes — especially with soft-check pre-approvals.
Yes — use our valuation tool to part-exchange your current vehicle.
Yes — we support all employment types.
Yes — we help people with CCJs, defaults, or IVAs find the right deal.
Yes — most of our lenders support £0 deposit finance.
No — we’ll finance vehicles from any FCA-approved UK dealership.
Yes — your part exchange value can be applied toward your new deal.
Yes — our lender panel specialises in non-prime approvals.
No — we offer many £0 deposit car finance options.
Yes — your part exchange value can be used as a deposit.
Yes — as long as they’re FCA registered, we’ll sort the paperwork.
Yes — our lender panel accepts CCJs, defaults, and variable income.
No — many Guildford lenders offer zero-deposit plans.
Yes — just share the dealer details, and we’ll handle the finance.
Yes — Deal4Wheels only works with fully regulated lenders and brokers.
Yes — we work with specialist lenders for all credit types.
No — we support digital documents, and cars can be delivered.
Yes — we look at real income and affordability, not just credit history.
All of NE1–NE40, SR1–SR8 and surrounding areas.
Yes — as long as the postcode is UK-based, we support all rural and urban areas.
Absolutely. We work with most FCA-authorised Welsh dealers.
Yes — upon request, we can provide documentation and support in Welsh.
Yes — many customers receive decisions within 24 hours.
Yes — we specialise in helping drivers with non-prime credit histories.
No — many of our lenders offer £0 upfront car finance.
No — we support purchases from any FCA-accredited dealer.
Yes — we’ll factor your trade-in value into your new deal.
Yes. We support CCJs, IVAs, defaults, and low scores.
No. Many lenders offer £0 upfront finance across the region.
Most customers receive a finance decision within 1 working day.
No — we operate 100% digitally and provide mobile-ready documents.
Yes. Our lenders work with all types of applicants — including those with defaults, CCJs, and past IVAs.
No — you can use our Autoloom marketplace or a local dealer.
Yes — we support both nearly-new and used car finance.
Yes — we cover all Leeds postcodes from LS1 to LS29.
Yes — we work with non-prime lenders that support CCJs, defaults, and thin files.
No — several of our lender partners offer £0 upfront options.
Yes — as long as the dealer is FCA registered.
Yes — we offer trade-in options to offset your deposit.
Yes — we specialise in helping applicants with CCJs, defaults, and no credit history.
Yes — we work with regional and national dealers.
Yes — trade in your current vehicle with our valuation tool.
You could be approved in under 24 hours with soft-check pre-approval.
Yes — we support applicants with CCJs, defaults, and IVAs.
No — many of our lender partners offer £0 deposit deals.
Yes — as long as the dealer is FCA registered.
Yes — we can apply your trade-in value to your new finance agreement.
Yes — subject to approval, several lenders offer £0 deposit options.
Absolutely. We work with lenders who specialise in non-prime car finance.
HP offers ownership; PCP gives you flexibility — we’ll help match the right plan.
Giulia, Giulietta, Stelvio, Mito, and 159.
Yes — we support both (subject to lender verification).
Yes — our panel includes lenders who approve based on affordability, not just credit scores.
No — we work with lenders offering £0 deposit options.
HP leads to ownership, PCP gives you flexibility with a final balloon option.
Yes — subject to checks on the vehicle and seller.
Rates start from 8.9% APR. Representative 19.8% APR.
Yes — we have specialist lenders who work with non-prime customers.
Absolutely. Finance available for all EV and hybrid BMWs.
Yes — use our Part Exchange Tool to get started.
Yes — subject to credit and affordability checks.
Then HP (Hire Purchase) may be better than PCP — we’ll guide you.
Yes — our specialist lenders offer non-prime options with soft credit checks.
Yes — great for new ë-C4 or low-mileage C3s with future flexibility.
We review full affordability — not just your job title.
Yes — including the ë-C4 and Berlingo Electric, subject to lender support.
Yes — we work with lenders who support IVA, CCJ, and low-score applicants.
Yes — we offer limited company or sole trader finance for vans.
Yes — especially popular for 500 and 500X models with strong resale value.
Absolutely — we support new and used EV models with tailored terms.
Yes — we work with lenders that cover used and approved Ford vehicles up to 10–12 years old.
Yes — many lenders offer £0 deposit options for eligible customers.
Yes — we have lenders who consider affordability over credit history.
Absolutely — we offer both personal and business vehicle finance.
Yes — we’ll help you compare both options and recommend the right fit.
Yes — we support all Honda models including the Jazz Hybrid and Honda e.
Absolutely — subject to lender approval, £0 deposit deals are available.
Yes — many of our lenders support used Honda vehicles up to 12 years old.
Yes — especially popular for models like the Jazz, Civic and HR-V.
Yes — Deal4Wheels works with lenders that consider your income, not just your credit score.
Yes — our lender panel offers competitive finance for used, approved, and nearly-new Hyundai vehicles.
No problem — we work with lenders who specialise in bad credit and affordability-based approvals.
Yes — subject to eligibility, £0 deposit finance is available across Hyundai models.
It depends — PCP is ideal for flexibility and upgrading, while HP is best if you want ownership.
Absolutely. EVs are eligible for finance and may come with lower running costs and tax incentives.
Yes — including approved used or older models, subject to lender criteria.
Yes — several lenders offer £0 deposit packages (credit and income based).
Most models qualify for both. PCP works well for newer, low-mileage Jeeps.
Yes — we work with lenders who accept CCJ, IVA, and non-prime profiles.
Yes — subject to business or income verification.
Yes — our lenders support finance on used, approved, and nearly-new models.
Yes, several lenders provide £0 deposit Jaguar deals (subject to affordability).
PCP offers lower monthly payments and upgrade options; HP gives outright ownership. We'll guide you.
Yes — if your income supports the affordability check, we can help even with CCJs or defaults.
Yes — subject to a vehicle check, inspection, and V5C compliance.
Yes — several lenders on our panel offer zero-deposit finance.
Yes — we have options for those with CCJs, defaults, or IVAs.
Absolutely. PCP is ideal for newer models, while HP suits used cars you want to own outright.
Yes — finance is available on the Niro EV and EV6, with low APRs and green incentives.
Yes — subject to affordability proof (bank statements or SA302s).
Yes — we work with lenders who accept defaults, CCJs, and IVAs.
Yes — subject to affordability and credit profile.
Absolutely. PCP is ideal for those who want to keep monthly payments low and have options at the end.
Yes — depending on age and mileage, some lenders fund vehicles up to 12–15 years old.
Yes — we can apply equity from your current car to your new finance plan.
Yes — our specialist lenders can approve non-prime applicants based on affordability.
Yes — you can choose fixed ownership (HP) or flexible upgrades (PCP).
Yes — several of our lenders offer £0 deposit Mercedes finance, subject to credit checks.
Yes — we support both hybrid and fully electric Mercedes-Benz models.
Yes — we can use your part exchange to reduce your monthly cost or deposit need.
Yes — many MGs are still under manufacturer warranty, and we finance new or approved used.
Yes — many of our lenders specialise in non-prime applications including CCJ and IVA.
Absolutely — many customers choose PCP on the ZS EV, MG4 or MG5 for flexibility.
Yes — we offer £0 deposit deals with select lenders, subject to affordability.
PCP offers lower monthly payments and end-of-term options. HP provides full ownership. We’ll help you compare both.
Yes — most EV buyers choose PCP to lower monthly costs and retain flexibility.
Absolutely — finance available on used, approved used, and nearly-new Nissans.
Yes — we offer £0 deposit Nissan deals with select lenders.
Yes — many of our lenders support non-prime applications with fair terms.
HP is great for long-term ownership, while PCP is ideal if you plan to upgrade often or finance an EV.
Yes — many of our lenders offer £0 deposit options for approved applicants.
PCP is great for electric or new models; HP works well for used or long-term buyers.
Yes — we work with non-prime lenders who accept CCJs, defaults, and IVAs.
Absolutely. We offer flexible van finance for business or personal use.
Just proof of ID, proof of income (even if self-employed), and basic vehicle details.
Yes — we fund approved used Polestar cars from verified dealers.
Yes — many lenders offer £0 deposit options if affordability checks pass.
Yes — especially new models with strong residuals.
Although most grants have ended, some lenders apply EV bonuses. Ask us for the latest deals.
Yes — we have lenders who offer EV finance to customers with CCJs or IVAs.
Yes — we work with lenders who consider all credit profiles.
Absolutely. Our panel includes EV lenders with special incentives.
Not always — zero-deposit deals are available based on eligibility.
Yes — subject to vehicle inspection and documentation checks.
HP offers ownership; PCP gives flexibility and lower payments.
Yes — some of our lenders offer £0 deposit options.
Absolutely — we help customers with non-prime credit every day.
PCP is popular due to lower monthly payments and upgrade flexibility.
Yes — we offer finance for used and nearly-new models from any reputable dealer.
PCP and HP agreements include early settlement options — ask us for a quote.
Yes — we finance used, nearly-new, and approved Škoda models.
Absolutely. We’ll show you what suits your goals and mileage plans.
Yes — if eligible, many lenders offer no-deposit finance for Škoda.
Yes — we specialise in non-prime finance, including customers with defaults or thin files.
Yes — we work with lenders offering EV-specific deals and GFV-based PCPs.
Yes — subject to eligibility, we have lenders offering £0 deposit finance.
Absolutely — including CCJ, default, and self-employed applicants.
Yes — including approved used, nearly-new, and imports like the Jimny XL.
Yes — HP is ideal for ownership; PCP offers flexibility at the end of term.
Yes — agreed at the start, with charges if exceeded.
Yes — subject to affordability, we have no-deposit options for used and nearly-new Teslas.
Absolutely — PCP is one of the most popular ways to finance Teslas due to their strong resale value.
Yes — we work with lenders who accept CCJ, IVA, and thin-file customers, depending on income.
Yes — we support both direct-from-Tesla listings and independent sellers (subject to inspection and V5C match).
Yes — some lenders offer lower EV rates, and business users may benefit from BIK and VAT efficiencies.
Yes — subject to eligibility, £0 deposit deals are available.
HP gives you ownership at the end. PCP keeps monthly payments lower and gives options at term end.
Yes — we work with EV-ready lenders and hybrid-friendly funders.
Yes — we specialise in non-prime lending with lenders open to IVA, CCJ, and thin credit profiles.
Absolutely. Use it to reduce your monthly payments or secure better terms.
Yes — we work with lenders that specialise in non-prime Vauxhall finance.
Yes — subject to lender approval and affordability.
PCP tends to offer lower monthly payments and flexibility at the end.
Yes — we fund used, nearly-new, and approved vehicles.
Yes — we have lenders that support EV finance options.
Yes — several of our lenders offer £0 deposit options depending on eligibility.
Absolutely. We work with lenders who accept non-prime credit.
Yes — we offer both and help explain which suits your goals.
Yes — we support finance for all-electric and hybrid VWs.
Yes — we can factor part exchange into your finance agreement.
Yes — several lenders support zero-deposit deals for Volvo finance.
Yes — including the XC40 Recharge, C40 Recharge, and EX30.
Yes. We work with non-prime lenders who assess affordability.
HP is best if you want to own the car outright. PCP offers lower monthly payments and upgrade flexibility.
Yes — we can offset your old car’s value toward your new finance.
Yes — we accept new Bolt drivers, with alternative income proofs.
Absolutely — Toyota Prius, Hyundai Ioniq, MG ZS EV, and more.
Yes — many lenders offer £0 deposit Bolt-friendly options.
Yes — as long as the vehicle meets PHV standards and passes inspection.
We work with non-prime lenders who cater to PHV drivers with credit issues.
Yes — many of our lenders specialise in high-mileage vehicles, especially hybrids and diesels.
Yes, particularly with PCP. Higher mileage usually lowers the car’s future value, increasing payments.
Yes, some lenders allow service and maintenance plans to be bundled into the finance offer.
HP is often better for high-mileage drivers due to no mileage restrictions.
Not typically — lenders require a valid DVLA V5C. We can help once the car is registered.
Yes — many Uber and Bolt drivers use Alphards, Vellfires, Elgrands, etc. We understand plate and compliance needs.
Toyota Alphard & Vellfire, Nissan Elgrand, Suzuki Jimny XL, Honda Stepwgn, Toyota Voxy, Noah, Estima, BMW Alpina (German import), Mitsubishi Delica.
Yes — subject to vehicle condition, registration status, and valuation.
Some lenders apply different criteria, but rates remain competitive depending on your credit profile.
Yes. We work with lenders who consider affordability and job stability instead of score alone.
Not always — we have lenders who approve self-backed applications based on income and car type.
Ford Fiesta, Vauxhall Corsa, Toyota Yaris, Kia Picanto, VW Polo, Hyundai i10. All are low-insurance group, reliable, and ideal for finance.
In some cases, yes — but the lender may require proof of a valid UK driving licence before release.
HP gives ownership, while PCP offers lower payments and upgrade flexibility. We'll help choose.
Yes — subject to income proof and licensing status, many lenders support no-deposit options.
Typically your badge, insurance policy, V5C (or dealer invoice), and recent proof of income (even if self-employed).
Yes — we’re experienced with licensing nuances across most councils.
Both are possible — vehicles must pass eligibility and plate standards.
Absolutely — we can help you switch to economical or ULEZ-compliant cars like the Toyota Prius, Kia Niro, or Tesla Model 3.
Yes, as long as you have a valid PHV license and income or earning potential.
No — many of our lenders offer £0 deposit deals for Uber-compliant cars.
For high mileage, we recommend HP as it has no usage caps.
Both are supported, provided the vehicle is PHV-compliant and passes inspection.
Popular finance-ready models include: Toyota Prius, Kia Niro Hybrid, Hyundai Ioniq, MG5 EV, Tesla Model 3 (for Uber Exec).
Yes — we work with lenders who accept applicants from age 18+ if you meet basic affordability.
Not necessarily. Many lenders approve self-backed finance based on job income and affordability.
Look for low-insurance, reliable models: Ford Fiesta, Toyota Aygo, VW Up!, Hyundai i10, Peugeot 208, Kia Rio.
Some lenders accept part-time income from student jobs — we’ll assess all your options.
Yes — lenders may use your overseas credit score, employer contract, or BRP for verification.
Usually yes, for up to 12 months. A UK licence is required for longer-term leases.
Yes — if you meet affordability criteria and provide valid residency documentation.
Proof of ID (passport), BRP or visa, UK address and utility bill or bank statement, employment contract or proof of income.
Yes — some lenders use alternative checks such as international employment, visa type, and income verification.
Some lenders will accept an international licence or valid home-country licence for up to 12 months. Others require a UK provisional or full licence.
Not always — but having a deposit or co-applicant (spouse, family, employer) can increase approval rates.
Yes — if you have leave to remain and sufficient income, options may be available through specialist lenders.
Yes — some lenders accept “thin-file” applicants and may use guarantors or part-time employment as criteria.
Not always. You may still qualify with a student loan, bursary, or parental support.
Some lenders will approve applications from students with provisional licences, depending on age and guarantor support.
We work with lenders who support Tier 4 visa holders and other legal UK residency statuses.
Yes, some lenders allow LTD company-only underwriting depending on credit score and trading history.
Yes. We help many self-employed applicants secure vehicles in their personal or trading name.
3–6 months of business bank statements, proof of identity, company incorporation or UTR (depending on structure).
Yes — and they may qualify for lower Benefit-in-Kind (BIK) tax. We support hybrid and EV fleets.
Yes. If affordability checks out, we can structure a fleet-style package with one or multiple lenders.
Yes — if DVLA-classified as a motor caravan and has a V5C logbook.
Yes — subject to inspection and documentation. We’ll guide the process.
Yes — our panel includes lenders specialising in bad credit camper van finance.
Yes — potentially lowering your payments or unlocking vehicle equity.
Most lenders allow occasional travel or weekend leisure. Full-time van life may be excluded.
Yes – as long as it meets roadworthiness or site-ready checks.
Some lenders do – ask about site requirements and licenses.
Yes – our lender panel includes CCJ, IVA, and bad credit specialists.
Yes – subject to approval, we’ll verify the caravan condition and ownership.
Yes – we may be able to lower your payments or extend your term.
Yes. Our lender panel includes non-prime specialists for EV finance.
New or used electric vehicles, including hybrid and plug-in hybrids (see Hybrid Finance).
Monthly costs can be similar to petrol cars — but running costs are lower. Plus, no road tax or ULEZ.
Yes. PCP is a popular option for electric cars due to high residual values and flexible end-of-term choices.
Yes. We help both private and business buyers finance electric vans and commercial EVs.
Yes, as long as it’s with a trusted importer and DVLA/NOVA paperwork is in progress.
Yes — we work with non-prime lenders who specialise in import and bad credit car finance.
Yes, if the vehicle meets local authority requirements and lender use-case approval.
Some lenders offer £0 deposit finance even for JDM stock, depending on your profile.
Sometimes. We can connect you to specialist import insurance providers if needed.
Yes — subject to inspection and proof of roadworthiness.
Absolutely — we specialise in affordability-based decisions, not just credit scores.
Some lenders do — especially if UK registered and insured.
Yes, we offer refinancing options to reduce your monthly cost or extend your term.
Yes, including for vanlife content creators or rental fleets (subject to criteria).
Yes. As long as the dealer is FCA-registered or passes our vetting checks, we can help.
Not necessarily. We work with lenders offering £0 deposit used car finance.
We typically require the vehicle to be from a business seller. Use Autoloom to browse eligible stock.
That’s our speciality — apply for Bad Credit Car Finance to see your options.
No broker fees. Ever. We’re paid by the lender if you go ahead.
Yes. We work with specialist lenders who assess income, not just score.
Absolutely. We offer ULEZ-compliant electric van finance with lower running costs.
Yes, and also to sole traders and partnerships. We’ll advise on the best route.
Yes. You can use it toward your deposit with our Part Exchange Tool.
Only with PCP. HP agreements typically have no mileage cap.
No, Personal Contract Purchase (PCP) is not a lease. With PCP, you have the option to purchase the vehicle at the end of the agreement by paying the optional final payment. You can also return the car or use any equity towards a new vehicle. It's more flexible than a traditional lease.
The maximum age for PCP finance varies by lender, but typically cars can be up to 8-10 years old at the start of the agreement. Some lenders may have more restrictive age limits, while others may be more flexible. The car's condition and mileage are also important factors.
Only if you fail to make repayments — otherwise, it’s your agreement.
Yes — family members, close friends or work colleagues are usually accepted (subject to lender checks).
Yes. Making regular payments builds your credit profile over time.
Yes — many of our lenders accept Universal Credit, PIP, Carer’s Allowance and more.
No deposit options are available depending on your credit profile and lender policy.
Rates depend on your credit, income, and vehicle — we search the market to find you the most affordable option available.
No jargon. No pressure. Just facts.
Learn how different types of car finance work — including PCP, HP, personal loans, balloon payments, and refinancing. This guide helps you understand what happens before, during, and after signing an agreement.
Includes worked examples and real-world comparisons.