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.

Will you fix any previous advisories on the MOT?

We address all critical issues noted during inspection or MOT. If an MOT advisory pointed out something important (like brake pads nearing the limit or a tyre that will need replacement soon), our technicians will assess it. We typically fix safety-related advisories as part of reconditioning. Minor advisories that don’t affect safety might not be immediately fixed, but they will be noted. Rest assured, we won’t let anything that compromises the car’s roadworthiness slip through.

Will the car be serviced before delivery?

Every car goes through our inspection and reconditioning process. If a routine service is due or overdue, we will carry it out before you get the car. So in practice, yes – if the car needed a service, it will be serviced as part of our prep. That said, not every car will get an oil change if it isn’t due, but we ensure it’s up to date on maintenance when delivered.

Can I add my personal number plate to my new car before it's delivered?

We can help with that. Typically, your car will initially be registered with its existing number plate. To add your personal plate, you’d go through the normal DVLA process. We’ll act on your behalf to facilitate the transfer if you’d like – just let us know. You’d need to pay any DVLA fees for the plate transfer. Usually, we’ll deliver the car with the original plate, and then help you swap to your private plate soon after.

Do you allow walk-ins at a Carsa Store?

We do prefer that you book an appointment, because our cars are kept secure and we prepare them for scheduled viewings. You’re welcome to drop in, but if you haven’t booked, we can’t guarantee the specific car you want to see will be readily available or on-site. To avoid any wait or disappointment, it’s best to arrange a viewing/test drive slot beforehand.

Can I book an appointment at a Carsa Store?

Yes – you can schedule an appointment to visit a Carsa Store. In fact, we recommend booking an appointment (especially for test drives) so we can ensure the car you’re interested in is ready and waiting for you. You can book online through our website or simply give us a call, and we’ll set up a convenient time for you.

Can I change or cancel my in-store appointment?

No problem at all. If you need to change or cancel your appointment, just let us know as soon as you can. You can contact the store or our customer support, and we’ll help you reschedule or cancel the booking. We understand that plans change – we’ll work with you to find a new time if needed.

Can you help me choose the right car when I visit a Carsa Store?

Certainly. When you visit a Carsa Store, our team will be more than happy to assist you in finding the right car. You can tell us what you’re looking for (budget, size, features, etc.), and our friendly advisors will help point you towards options that fit your needs. We’re there to make the car-buying process easier for you.

Will I be given any previous service history, MOT certificates or other documents with my car?

Yes, of course. We will hand over any available documents when you get the car. That includes things like the car’s service book or print-out of its service history, the latest MOT certificate (if applicable), and any other papers (like the user manual or spare key info). The V5C logbook will be sent to you by the DVLA after the sale is registered, but everything else we have, we’ll pass to you at collection or delivery.

Can I get car finance without a balloon payment?

Yes. If you’d prefer not to have a balloon (final) payment, a Hire Purchase (HP) agreement might be more suitable. With HP, you make fixed monthly payments until the balance is cleared, and once the final payment is made (plus any small option-to-purchase fee), the car is yours outright.

Are PCP and HP eligibility criteria different?

Yes, they can be. PCP (Personal Contract Purchase) sometimes has stricter criteria, because it involves a larger deferred payment (the optional final payment). HP (Hire Purchase) tends to be more straightforward, as you’re paying the full balance of the car over the term. Ultimately, it depends on the individual lender’s requirements.

Can I get good car finance with a large deposit?

A larger deposit usually lowers your monthly payments and may improve your chances of being accepted. However, on PCP (Personal Contract Purchase) agreements, some lenders cap the maximum deposit you can put down.

If you want to understand how a larger deposit may increase your monthly payments, 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.

‍

Can I get car finance with no deposit?

Yes, many lenders offer no-deposit finance, meaning you can drive away without paying anything upfront. Keep in mind that putting down a deposit can reduce your monthly payments, so it’s worth experimenting with the calculator on our car pages to see the difference.

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.

Can I get a new car with existing finance?

It’s often possible. Some lenders may require you to settle your existing finance agreement first, which can be done by part-exchanging your current car or selling it privately. Others may allow you to take out a second agreement if your credit profile and affordability are strong enough. To see what applies in your case, start with our free eligibility tool.

What documents do I need for a car finance application?

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.

Can I get rid of my car on finance?

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.

Can I get a payment holiday on car finance?

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.