FAQs

Got Questions? We’ve got answers. Whether you’re buying your first car or trading in your old car, we’re here to make it simple. Explore our FAQs for quick, honest answers about Carsa’s process, prep, finance, handover, and more.

What are the age and residency requirements to get finance?

You’ll usually need to be at least 18 and a UK resident with proof of address to apply for finance. Some lenders may consider alternative circumstances, but these are less common.

If you’re unsure, check your eligibility with our finance tool — it’s a simple way to see whether you’re likely to be eligible for car finance

How much car finance can I get?

There isn’t one set amount, because it depends on your income, credit history, affordability checks and budget. For example, someone with a stable income and strong credit profile may be approved for more finance than someone with limited income.

If you want to understand how much the monthly payments may be on a vehicle, find a car on our website and use the finance calculator on the page. You can adjust the deposit, term, and mileage (for PCP) to see how the payments change.

If you want to understand what your APR may be, and how much you could afford, use our free eligibility checker. This won’t impact your credit score and takes a couple of minutes.

Can I get a car on finance?

In most cases, yes — as long as you meet a lender’s criteria. That means being at least 18, living in the UK, and showing proof of income. From there, the amount and type of finance available to you depends on your personal circumstances.

Our free eligibility checker will give you a view on whether you’re likely to be eligible for car finance. This won’t impact your credit score.

Am I eligible for car finance if I’m self-employed, on a zero-hours contract or not in full-time work?

Yes, you can still apply for finance if you’re self-employed, work irregular hours, or don’t have a full-time contract. Lenders may simply ask for extra proof of income — such as recent payslips, bank statements, or tax returns. If you’re unsure how this might apply to you, our eligibility tool is the fastest way to check without impacting your credit score.

Can I get car finance if I’m on benefits or Universal Credit?

Yes, some lenders will consider applications from people who receive benefits or Universal Credit, as long as you can show a steady income and demonstrate you can manage the repayments. A good credit history will make acceptance more likely.

If you’re not sure, use our free eligibility tool to see whether you’re likely to be eligible for car finance. This is free and won’t impact your credit score.

Can I get car finance?

If you’re over 18, live in the UK, and can prove your income, there’s a good chance you’ll be eligible for finance through one of our lending partners. Final approval will depend on your credit history and affordability checks.

The easiest way to be sure is to run a quick check with our eligibility tool.

Can I get car finance on a provisional licence?

Some lenders will consider applications from customers with a provisional licence, although you’ll have more options once you pass your driving test. With a provisional, lenders may limit the amount they’re willing to lend, or ask for extra steps such as a joint hirer or proof of a booked test date.

Can I get car finance with bad credit, CCJs, IVAs or bankruptcy?

Having a poor credit history doesn’t automatically mean you’ll be declined. At Carsa, we work with a wide panel of lenders, some of whom specialise in customers with CCJs, IVAs or even past bankruptcies. Approval can be more challenging, and you may be asked for extra proof of income, or, in the case of an IVA, consent from your insolvency company.

The best way to check is to use our free finance eligibility tool. It shows you your options instantly without leaving a mark on your credit file.

How do I claim the Pod Point home charger offer?

Use the unique referral link from Carsa and click 'Start your enquiry' to share your details with Pod Point. You'll get an email to activate your offer, then choose whether to buy outright or join Pod Drive — the £50 discount is applied automatically at checkout. After a quick remote survey, installation is typically completed within 2 weeks. Installation is subject to feasibility and the offer is only available through your Carsa referral link.

Can I get a discount on a home EV charger with Carsa?

Yes — Carsa EV customers get an exclusive £50 off a Pod Point home charger. You can subscribe with Pod Drive from £40/month (with a £99 one-off fee waived to £0 on this offer, on a 36-month contract) or buy the Pod Point Solo 3S outright from £949. Standard installation is included on both, and you control charging through the Pod Point app. The £50 discount is applied automatically when you order through the unique referral link from Carsa.

How do I get drive-away insurance to take my car home?

Download the Cuvva app on iOS or Android and set up a policy in minutes — you can have fully comprehensive cover in place before you leave the forecourt. You pick the length you need, from 1 hour up to 28 days, with no annual commitment. It's a quick way to stay covered while you arrange a longer-term policy. Cuvva is the insurance provider and is regulated by the FCA.

What is drive-away car insurance?

It's fully comprehensive temporary car insurance from Cuvva, available to Carsa customers so you can insure your new car in minutes and drive it home the same day. You choose how long you need — anything from 1 hour up to 28 days — so you only pay for the cover you want while you sort out an annual policy. It's set up on your phone through the Cuvva app (iOS and Android). Cuvva is authorised and regulated by the FCA (no. 690273).

Can I cancel my cosmetic or alloy maintenance plan?

Both the Cosmetic Maintenance Plan and the Alloy Wheel Protection plan come with a 30-day refund period from the start date, as long as no repair work has been carried out. After 30 days you can still cancel at any time, but you won't be entitled to a refund. Both plans also require the vehicle to be under 7 years old when the plan starts.

Are the cosmetic and alloy plans insurance?

The Cosmetic Maintenance Plan and Alloy Wheel Protection plan are both maintenance plans, not insurance products, and aren't regulated by the FCA. They're designed for minor cosmetic damage from everyday driving — small chips, scuffs, dents and kerbed alloys. Bigger damage from accidents, fire, theft or vandalism is a matter for your motor insurance, not these plans. All repairs need to be authorised before any work begins.

How do I book an alloy wheel repair?

Submit a request through the Shine! Protect app (iOS or Android) with a couple of photos of the damage, or call 01279 456 500. AutoProtect reviews and authorises it before any work begins, then you book a time and location in mainland UK and a mobile technician comes to you. You can submit one authorised request every 3 months, with up to 4 areas of damage per visit and a cap of 5 per year. The plan covers mainland UK only (England, Wales and Scotland excluding the Scottish Islands) and isn't transferable if you sell the car.

Does the Alloy Wheel Protection plan cover tyres?

No — the Alloy Wheel Protection plan covers alloy wheels only and there's no tyre cover. It's worth being clear on this if you've bought from Carsa before, as it's a change from the older Tyre & Alloy plan. It treats cosmetic kerb scuffs, chips and scratches on the wheel face, including diamond-cut and aerodynamic wheels, but not cracked or buckled wheels, tyres, or full lathe-cut refurbishment.