FAQs

Most lenders will ask for a valid form of ID (such as a driving licence or passport). You may also be asked for recent proof of address and proof of income, such as payslips or bank statements (usually dated within the last 90 days). Some lenders may request additional documents depending on your circumstances.

Yes, you can, but you’ll need to settle the outstanding finance balance first. This can be done in a few different ways:

• Paying the settlement figure directly to your lender – You can request a settlement figure and pay off the balance in full.
  
• Selling the car privately – Use the proceeds from the sale to clear your finance.
  
• Part-exchanging your car with us – We’ll settle the finance as part of the new deal, and any equity left over can go towards your next car.
  

You may also have the option of ending your agreement early under what’s called “voluntary termination.” This is where, once you’ve paid (or are willing to pay) around 50% of the total amount payable on your contract, you can hand the car back and walk away. The exact amount will be shown in your agreement, and you may still be liable for charges such as damage or excess mileage.

If you’re within the first 14 days of signing your finance agreement, you also have a cooling-off period, which allows you to withdraw from the contract without penalty.

The rules vary depending on whether your agreement is PCP (Personal Contract Purchase) or HP (Hire Purchase), so it’s always best to check with your finance provider. They’ll confirm your settlement figure and explain your options.

Whether you can take a payment holiday depends entirely on your finance provider. Some lenders may allow it in certain circumstances, while others may not offer this option at all. If you’re already in an agreement, the best step is to contact your lender directly to discuss what support might be available.

There isn’t a set score that guarantees approval. A higher score usually makes it easier, but customers with lower scores can still be approved if they can show steady income and affordability. The quickest way to check is through our free eligibility tool, which doesn’t affect your credit score.

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

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.

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.

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.