FAQs

We’ll start with a quick pre‑qualification to estimate the APR you’re likely to be offered. You can run this check yourself on our website or call us and we’ll do it with you. Once you’re happy, we’ll complete the full finance application together over the phone.

Part-exchange is simple: you tell us about your current car (either online via a form or in-person at a branch) and we give you a valuation for it. This is usually a no-obligation quote based on the car’s details (age, mileage, condition, etc.). If you’re happy with it, you can then proceed with the trade-in as part of buying your new car. When it’s time to hand over, you bring your old car to us. We inspect it to ensure its condition matches what was described, finalize the trade-in paperwork, and then the agreed part-exchange value is deducted from the price of your new Carsa car.

Your monthly payments will be set up as a direct debit with the finance lender. Typically, you’ll select or be assigned a monthly due date (for example, the 1st of each month). After you sign the finance agreement and take the car, the first payment usually comes out about one month later. From then, it’s an automatic monthly debit from your bank account for the agreed amount, on the same date each month, until the finance term is complete.

The monthly payment depends on the car price, your deposit, the finance term, and the interest rate. Each car on our website can show an example finance quote with an estimated monthly payment. For a precise figure, we’d tailor a quote to your situation. We’d need to know how much (if anything) you want to put down, which car you are interested in and over how many years. For PCP we would also need to know your annual mileage. Then we can tell you exactly what the monthly cost would be.

If you're paying upfront, it's paid at the time you purchase the policy (usually when you buy the car). If you're paying via a monthly plan or as part of your car finance, then the payments will start alongside your car finance payments – typically one month after you collect the car. Essentially, there's no delay: you'll either pay at purchase or your installments will begin in the first billing cycle after the sale.

Yes, if you take out a CarsaCover policy, we will share the necessary information with Assurant (the underwriter) to set up and administer your cover. Your personal data will be handled securely and only used for the purposes of providing the insurance/warranty service. We don't share data beyond what's required for your policy.

CarsaCover is the name of our extended warranty and insurance package offerings. It refers to the optional plans you can get for added peace of mind after the standard 90-day warranty. Under CarsaCover, there are products like extended mechanical breakdown warranty, as well as cosmetic protection plans (like scratch & dent, alloy wheel cover, tyre insurance, etc.). It’s basically our suite of aftercare insurance products to help cover you against unexpected costs.

Yes. Carsa offers optional home delivery across most of mainland UK. We use a trusted logistics partner to provide this service, and the fee we charge simply covers what they charge us to move the vehicle safely to your address. If you choose home delivery, there is an additional delivery fee to cover the transport cost. The amount depends on the distance (we’ll let you know the exact fee upfront before you commit). If you opt to collect the car from one of our branches, there’s no fee for collection. So, collection is free, and delivery has a charge which varies by location.